<SEC-DOCUMENT>0001206774-20-000243.txt : 20200128
<SEC-HEADER>0001206774-20-000243.hdr.sgml : 20200128
<ACCEPTANCE-DATETIME>20200128090026
ACCESSION NUMBER:		0001206774-20-000243
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20200128
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200128
DATE AS OF CHANGE:		20200128

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:		20551526

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>sfb35772715-8k.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>

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

<BODY bgcolor="#ffffff">


<div>
<P align=center><B><FONT size=4 face=Arial>UNITED STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=2 face=Arial>WASHINGTON, DC 20549</FONT></B></P>

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

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

<DIV align=center>

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



<TR vAlign=bottom>

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

   <TD style="WIDTH: 27%; VERTICAL-ALIGN: MIDDLE; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>January&#160;28,&#160;2020&#160;</FONT></TD></TR></TABLE></DIV><BR>

<DIV align=center>
<IMG border=0 src="sfb35772715-8k1x1x1.jpg"></DIV><BR><BR>

<DIV align=center>

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



<TR vAlign=bottom>

   <TD STYLE="width: 100%; border-bottom: black 1.5pt solid; padding-bottom: 4pt; text-align: center"><B><FONT size=5 face=Arial>Southern First Bancshares, Inc.</FONT></B></TD></TR>

<TR vAlign=bottom>

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

<DIV align=center>

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



<TR vAlign=bottom>

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

<TR vAlign=bottom>

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

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



<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR>

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

<TR vAlign=bottom>

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

<DIV align=center>

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



<TR vAlign=bottom>

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

<TR vAlign=bottom>

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

<TR>

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

<TR vAlign=bottom>

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

<TR vAlign=bottom>

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

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

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



<TR vAlign=bottom>

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

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

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

<TR vAlign=bottom>

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

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

   <TD style="TEXT-ALIGN: left" 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>

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

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

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

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

<TR vAlign=bottom>

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

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

   <TD style="TEXT-ALIGN: left" 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 align=left><FONT size=2 face=Arial>Securities registered pursuant to Section 12(b) of the Act:</FONT></P>

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



<TR vAlign=bottom>

   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial><B>Title of each class</b></FONT></TD>

   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial><B>Trading Symbol(s)</b></FONT></TD>

   <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial><B>Name of each exchange on which registered</b></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial>Common Stock</FONT></TD>

   <TD STYLE="vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial>SFST</FONT></TD>

   <TD STYLE="vertical-align: top; width: 33%; text-align: center"><FONT size=2 face=Arial>The Nasdaq Stock Market</FONT></TD></TR></TABLE>


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

<P style="TEXT-ALIGN: right; padding-right: 15pt"><FONT size=2 face=Arial>Emerging growth company </FONT><FONT size=2 face=Arial>&#9744;</FONT></P>

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





<HR noshade align="center" width="100%" size=2>



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



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

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>On January 28, 2020, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a  press release announcing its financial results for the period ended December 31, 2019.  A copy of the  press release is attached hereto as Exhibit 99.1.</FONT></P>

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

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

<div style="padding-left:15pt">
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="2%" noWrap align=right><U><FONT size=2 face=Arial>Exhibit No.</FONT></U></TD>

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

   <TD width="98%" noWrap align=left><U><FONT size=2 face=Arial>Exhibit</FONT></U></td></tr>

<TR vAlign=bottom>

   <TD width="2%" noWrap align=left><FONT size=2 face=Arial>99.1</FONT></TD>

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

   <TD width="98%" noWrap align=left><FONT size=2 face=Arial>Earnings&#160;Press&#160;Release&#160;for&#160;period&#160;ended&#160;December&#160;31,&#160;2019.&#160;
</FONT></TD></TR></TABLE></div>

<BR>

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



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



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

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</FONT></P>

<DIV align=right>

<TABLE style="WIDTH: 50%; LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=2 noWrap align=left><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=2>&nbsp;</TD></TR>

<TR>

   <TD width="100%" colSpan=2>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="100%" colSpan=2 noWrap align=left><FONT size=2 face=Arial>By: </FONT><FONT style="BORDER-BOTTOM: black 1pt solid" size=2 face=Arial>/s/ Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

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

   <TD width="99%" noWrap align=left><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

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

   <TD width="99%" noWrap align=left><FONT size=2 face=Arial>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;</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>January 28, 2020</FONT></P>

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



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



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

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



<TR vAlign=bottom>

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

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

   <TD width="98%" noWrap align=left><U><FONT size=2 face=Arial>Description</FONT></U><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left><A HREF="sfb35772715-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>99.1</FONT></A></TD>

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

   <TD width="98%" noWrap align=left><A HREF="sfb35772715-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Earnings Press Release for the period ended December 31, 2019.</FONT></A></TD></TR></TABLE><BR>

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

</DIV>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb35772715-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR PERIOD ENDED DECEMBER 31, 2019
<TEXT>

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

<BODY bgcolor="#ffffff">



<P align=right><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>



<div align=left>
<IMG border=0 src="sfb35772715-8k1x5x2.jpg"> </div>

<div style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>Southern First Reports 2019 Financial Results</FONT></B></div>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial><B>Greenville, South Carolina, January 28, 2020</B> &#8211; Southern First Bancshares, Inc. <B>(NASDAQ: SFST)</B>, holding company for Southern First Bank, today announced its financial results for the three-month period and year ended December 31, 2019.</FONT></P>

<DIV align=left><FONT size=2 face=Arial><U><B>2019&nbsp;Fourth&nbsp;Quarter&nbsp;Highlights</b></U></FONT></div>

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



<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Net&nbsp;income&nbsp;improved&nbsp;to&nbsp;$7.2&nbsp;million,&nbsp;a&nbsp;24.5%&nbsp;increase&nbsp;over&nbsp;Q4&nbsp;2018&nbsp; </B></FONT></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Diluted&nbsp;EPS&nbsp;improved&nbsp;to&nbsp;$0.92&nbsp;per&nbsp;share,&nbsp;a&nbsp;22.7%&nbsp;increase&nbsp;over&nbsp;Q4&nbsp;2018&nbsp; </B></FONT></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Efficiency&nbsp;ratio&nbsp;of&nbsp;51.9%&nbsp;for&nbsp;Q4&nbsp;2019,&nbsp;compared&nbsp;to&nbsp;56.3%&nbsp;for&nbsp;Q4&nbsp;2018</B></FONT></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Total&nbsp;loans&nbsp;increased&nbsp;15.9%&nbsp;to&nbsp;$1.94&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2019,&nbsp;compared&nbsp;to&nbsp;$1.68&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2018</B></FONT></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Total&nbsp;deposits&nbsp;increased&nbsp;13.8%&nbsp;to&nbsp;$1.88&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2019,&nbsp;compared&nbsp;to&nbsp;$1.65&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2018&nbsp; </B></FONT></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><FONT size=2 face=Arial><B>Total&nbsp;core&nbsp;deposits&nbsp;increased&nbsp;15.5%&nbsp;to&nbsp;$1.66&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2019,&nbsp;compared&nbsp;to&nbsp;$1.43&nbsp;billion&nbsp;at&nbsp;Q4&nbsp;2018&nbsp; </B></FONT></TD></TR></TABLE>

<P STYLE="text-align: justify"><FONT size=2 face=Arial>&#8220;I am proud of our Southern First team and our accomplishments in 2019 with record earnings of $27.9 million and significant growth in both loans and core deposits,&#8221; stated Art Seaver, the Company&#8217;s Chief Executive Officer. &#8220;Our team continues to focus on building client relationships in each of our markets and providing a unique client experience.&#8221; </FONT></P>

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



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-top: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial></FONT></TD>

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

   <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; border-top: Black 1.5pt solid; white-space: nowrap; text-align: center"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>Quarter</FONT></B><B><FONT size=1 face=Arial> </FONT></B><B><FONT size=1 face=Arial>Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=1 face=Arial></FONT></TD>

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

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

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

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

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

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

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

   <TD width="2%" colSpan=2 noWrap align=center>

   <P align=center><B><FONT size=1 face=Arial>March</FONT></B><B><FONT size=1 face=Arial> </FONT></B><B><FONT size=1 face=Arial>31</FONT></B></P></TD>

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

   <TD width="2%" colSpan=2 noWrap align=center>

   <P align=center></P>

   <P align=center><B><FONT size=1 face=Arial>December</FONT></B><B><FONT size=1 face=Arial> </FONT></B><B><FONT size=1 face=Arial>31</FONT></B></P></TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>2019</FONT></B> </TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B> </TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B> </TD>

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><B><FONT size=2 face=Arial>Earnings</FONT></B><B><FONT size=2 face=Arial> </FONT></B><FONT size=2 face=Arial>($</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>in</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>thousands,</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>except</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>per</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>share</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>data)</FONT><B><FONT size=2 face=Arial>:</FONT></B><B><FONT size=2 face=Arial> </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><B><FONT size=2 face=Arial></FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Net</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>income</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>available</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>to</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>common</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>shareholders</FONT><FONT size=2 face=Arial> </FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;</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=1 face=Arial>7,198</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,412</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,239</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,009</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,783</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Earnings</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>per</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>common</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>share,</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>diluted</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.92</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.95</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.78</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.75</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,136</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,675</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,629</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18,812</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18,473</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Net</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>interest</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>margin</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>(tax-equivalent)<SUP>(2)</SUP> </FONT><FONT size=2 face=Arial></FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>3.41</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>3.36</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>3.43</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>3.52</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>3.59</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Return</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>on</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>average</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>assets<SUP>(3)</SUP> </FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.32</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.37</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.43</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.28</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.24</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Return</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>on</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>average</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>equity<SUP>(3)</SUP> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>14.18</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>15.20</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>15.72</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13.74</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13.46</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51.92</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>52.98</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>55.11</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>56.60</FONT></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Noninterest</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>expense</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>to</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>average</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>assets</FONT><FONT size=2 face=Arial> <SUP>(3)</SUP> </FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.01</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.12</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.24</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.26</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.23</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Balance</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Sheet</FONT></B><B><FONT size=2 face=Arial> </FONT></B><FONT size=2 face=Arial>($</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>in</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>thousands)</FONT><B><FONT size=2 face=Arial>:</FONT></B><B><FONT size=2 face=Arial> </FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Total</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>Loans<SUP>(5)</SUP> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,838,427</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,809,355</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,733,964</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,677,332</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Total</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>deposits</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,899,295</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,854,008</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,758,235</FONT></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Core</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>deposits<SUP>(6)</SUP> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,656,005</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,690,294</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,619,722</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,527,755</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>1,434,125</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Total</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>assets</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,267,195</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,201,626</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,116,044</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,014,426</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,900,614</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Loans</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>to</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>deposits</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>103.59</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>96.80</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>97.59</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>98.62</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>101.77</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Holding</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Company</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Capital</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Ratios</FONT></B><B><FONT size=2 face=Arial><SUP>(7)</SUP></FONT></B><B><FONT size=2 face=Arial>:</FONT></B><B><FONT size=2 face=Arial> </FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Total</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>risk-based</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>capital</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>ratio</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13.73</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>13.63</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>12.31</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>12.43</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>12.49</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.63</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.51</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.40</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.48</FONT></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Leverage</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>ratio</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>10.10</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>9.82</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>9.95</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>10.17</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>10.14</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.94</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.80</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.67</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.72</FONT></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Tangible</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>common</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>equity<SUP>(9)</SUP> </FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.08</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.02</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>8.97</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>8.99</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>9.15</FONT></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Asset</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Quality</FONT></B><B><FONT size=2 face=Arial> </FONT></B><B><FONT size=2 face=Arial>Ratios:</FONT></B><B><FONT size=2 face=Arial> </FONT></B></TD>

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Nonperforming</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>assets</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>as</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>a</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>percentage</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>of</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>total</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>assets</FONT><FONT size=2 face=Arial> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.32</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.27</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.31</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.09</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.03</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.00</FONT></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Allowance</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>for</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>loan</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>losses</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>as</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>a</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>percentage</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>of</FONT><FONT size=2 face=Arial> </FONT><FONT size=2 face=Arial>loans<SUP>(5)</SUP> </FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.89</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=1 face=Arial>0.94</FONT></TD>

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

<TR vAlign=bottom>

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

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>244.95</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 225.50</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>277.91</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>265.35</FONT></TD>

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

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

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

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


<div style="TEXT-ALIGN: center"><FONT size=1 face=Arial></FONT><FONT size=1 face=Arial>[Footnotes</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>to</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>table</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>located</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>on</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>page</FONT><FONT size=1 face=Arial> </FONT><FONT size=1 face=Arial>6]</FONT><FONT size=1 face=Arial> </FONT></div>

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

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

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


<br>

<TABLE style="LINE-HEIGHT: 13pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; width: 83%; text-align: left"><B><FONT size=2 face=Arial>INCOME STATEMENTS - Unaudited</FONT></B></TD>

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp; </FONT></TD>

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

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

   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>Quarter</FONT></B><B><FONT size=1 face=Arial>&nbsp;</FONT></B><B><FONT size=1 face=Arial>Ended</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-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>Twelve</FONT></B><B><FONT size=1 face=Arial>&nbsp;</FONT></B><B><FONT size=1 face=Arial>months</FONT></B><B><FONT size=1 face=Arial>&nbsp;</FONT></B><B><FONT size=1 face=Arial>Ended</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

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

   <TD WIDTH="3%" COLSPAN="3" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>Dec&nbsp;31</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Sept&nbsp;30</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>June&nbsp;30</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Mar&nbsp;31</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Dec&nbsp;31</FONT></B></TD>

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

   <TD WIDTH="2%" COLSPAN="4" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face=Arial>Dec&nbsp;31</FONT></B></TD>

  </TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(in</FONT><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=1 face=Arial>thousands,</FONT><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=1 face=Arial>except</FONT><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=1 face=Arial>per</FONT><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=1 face=Arial>share</FONT><FONT size=1 face=Arial>&nbsp;</FONT><FONT size=1 face=Arial>data)</FONT><FONT size=1 face=Arial>&nbsp;</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; 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"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; 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"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; 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">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><B><FONT size=2 face=Arial>Interest income</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=right></TD>

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

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

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

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

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

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-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=right></TD>

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

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Loans</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,124</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,817</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,098</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20,889</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20,405</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>88,928</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,718</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Investment securities</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>438</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>576</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>539</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>549</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>517</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>2,102</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,801</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Federal funds sold</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>334</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><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>663</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>451</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>174</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>157</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,622</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,138</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Total interest income</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,896</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>24,056</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,088</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>21,612</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>21,079</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>92,652</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>76,657</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Interest expense</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>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=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5,771</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>6,409</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,175</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>5,375</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,645</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>23,730</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>14,836</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Borrowings</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>492</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><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>368</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>374</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>419</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>437</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,653</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,669</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Total interest expense</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,263</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,777</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,549</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,794</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,082</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp; &nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>25,383</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,505</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Net interest income</FONT><FONT size=2 face=Arial>&nbsp;&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>17,633</FONT></TD>

   <TD width="1%" noWrap align=left></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>17,279</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,539</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,818</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,997</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>67,269</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>60,152</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Provision for loan losses</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,050</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>650</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>300</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>300</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>600</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp; &nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,300</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,900</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Net interest income after 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>16,583</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><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>16,629</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>16,239</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>15,518</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>15,397</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>64,969</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>58,252</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><B><FONT size=2 face=Arial>Noninterest income</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=right></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><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></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,181</FONT></TD>

   <TD width="1%" noWrap align=left></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>3,055</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,830</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,233</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,923</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,544</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>260</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>271</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>265</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>265</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>271</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,061</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,040</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><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>441</FONT></TD>

   <TD width="1%" noWrap align=left></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>464</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>443</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>404</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,728</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,490</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>281</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>282</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>222</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>216</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>217</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,001</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>879</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Gain on sale of securities, net</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>719</FONT></TD>

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

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

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

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

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

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

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

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

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>727</FONT></TD>

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Loss on extinguishment of debt</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,496</FONT></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(1,496</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></TD>

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other income</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,117</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: 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>322</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>327</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>273</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,039</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,248</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,503</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,396</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,090</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,994</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,476</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>14,983</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,201</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Compensation and benefits</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,175</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>7,668</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,399</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,783</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>6,753</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>29,025</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>25,561</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Occupancy</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,429</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,416</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,343</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,339</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,286</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,527</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,049</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Outside service and data processing costs</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,109</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>1,073</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,045</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>960</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>902</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,187</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,302</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Insurance</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>70</FONT></TD>

   <TD width="1%" noWrap align=left></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>145</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>280</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>318</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>298</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>813</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,284</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Professional fees</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>447</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></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>399</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>414</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>439</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>365</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,699</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,574</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Marketing</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>208</FONT></TD>

   <TD width="1%" noWrap align=left></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>237</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>236</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>260</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>204</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>941</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>856</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>535</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>546</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>651</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>549</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>583</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,281</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,137</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; width: 83%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,973</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>11,484</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11,368</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>44,473</FONT></TD>

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 83%; text-align: left"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,113</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,541</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>8,961</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,864</FONT></TD>

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,482</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>35,479</FONT></TD>

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

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

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>28,690</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 83%; border-bottom: Black 1pt solid; text-align: left"><B><FONT size=2 face=Arial>Income tax expense</FONT></B></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,915</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>2,129</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,722</FONT></TD>

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

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

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,621</FONT></TD>

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

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

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

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 83%; text-align: left"><B><FONT size=2 face=Arial>Net income available to common shareholders</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,198</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,412</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,239</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,009</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,783</FONT></TD>

   <TD STYLE="background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>27,858</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,289</FONT></TD></TR>

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

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"></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></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="vertical-align: top; width: 83%; text-align: left"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</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: right"><FONT size=2 face=Arial>0.98</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.97</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.78</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>3.70</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3.02</FONT></TD></TR>

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

   <TD STYLE="width: 83%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</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>0.92</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>0.95</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.78</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.75</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.58</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.88</FONT></TD></TR>

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

   <TD STYLE="vertical-align: top; width: 83%; text-align: left"><FONT size=2 face=Arial>Basic weighted average common shares</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: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,608</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</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: right"><FONT size=2 face=Arial>7,548</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,496</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,428</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>7,528</FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,384</FONT></TD></TR>

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

   <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; width: 83%; text-align: left"><FONT size=2 face=Arial>Diluted weighted average common shares</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: 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>7,811</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</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: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,781</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,756</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,742</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,726</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,773</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,737</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net income for the fourth quarter of 2019 was $7.2 million, a 24.5% increase over the fourth quarter of 2018. For the twelve months ended December 31, 2019, net income was $27.9 million, an increase of 25.0% over the twelve months ended December 31, 2018. Net interest income increased 10.2% for the fourth quarter of 2019 compared to the fourth quarter of 2018 and 11.8% for the year ended 2019 as compared to the year ended 2018. The increase in net interest income was driven by growth in interest-earning assets, partially offset by growth in interest-bearing deposits.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income increased $1.0 million, or 41.5%, during the three months ended December 31, 2019 compared to the three months ended December 31, 2018, and increased $4.8 million, or 46.9%, for the twelve months ended December 31, 2019 compared to the twelve months ended December 31, 2018. The increase for both the three- and twelve-month periods was driven by higher mortgage banking income as a result of additional mortgage executives and the favorable mortgage rate environment. In addition, during the fourth quarter of 2019 we sold our Health Savings Account (&#8220;HSA&#8221;) deposit accounts, totaling $6.2 million, and recognized a gain of $745,000 which is included in other noninterest income. We also sold $30.3 million of investment securities for a gain of $718,000 and paid off $25.0 million of Federal Home Loan Bank (&#8220;FHLB&#8221;) advances, incurring a prepayment penalty of $1.5 million in the fourth quarter of 2019.</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>





<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense increased $582 thousand, or 5.6%, for the fourth quarter of 2019 compared to the fourth quarter of 2018, and increased $4.7 million, or 11.8%, for the year ended 2019 compared to the year ended 2018. The increase in noninterest expense for both the three- and twelve-month periods related primarily to increases in compensation and benefits, occupancy, and data processing and related costs as we continue to expand our footprint in South Carolina, North Carolina, and Georgia. Included in noninterest expense are mortgage banking expenses of $1.7 million and $6.4 million for the three and twelve months ended December 31, 2019, respectively, and $942 thousand and $4.2 million for the three and twelve months ended December 31, 2018, respectively.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our effective tax rate was 21.0% and 22.7% for the three-month periods ended December 31, 2019 and 2018, respectively, and 21.5% and 22.3% for the year ended December 31, 2019 and December 31, 2018, respectively.</FONT></P>

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



<TR vAlign=bottom>

   <TD COLSPAN="28" STYLE="border-bottom: Black 1.5pt solid; vertical-align: top; text-align: left"><B><FONT size=1 face=Arial>NET INTEREST INCOME AND MARGIN - Unaudited</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

   <TD STYLE="width: 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: right"></TD>

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

   <TD STYLE="width: 1%"></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: right"></TD>

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

   <TD STYLE="width: 1%"></TD>

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

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

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

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

<TR vAlign=bottom>

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

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

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

   <TD COLSPAN="25" STYLE="border-bottom: Black 1pT solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>For the Three Months Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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


   <TD COLSPAN="8" STYLE="border-bottom: Black 1pT solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD>

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


   <TD COLSPAN="8" STYLE="border-bottom: Black 1pT solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30, 2019</FONT></B></TD>

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



   <TD COLSPAN="8" STYLE="border-bottom: Black 1pT solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>December 31, 2018</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Average</FONT></B></TD>

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Average</FONT></B></TD>

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

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

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

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

<TR vAlign=bottom>

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

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

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

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

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

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

   <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD>

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

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

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

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

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

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

   <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD>

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

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

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

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

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

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

   <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD></TR>


<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; vertical-align: top; text-align: left"><B><FONT size=1 face=Arial>Interest-earning assets</FONT></B></TD>

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

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

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

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="background-color: Silver"></TD>

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

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

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

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

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

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD></TR>



<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Federal funds sold and interest-bearing deposits</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>72,563 </FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>334 </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.83</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>111,169</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>663</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.37</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>28,291</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;</TD>

   <TD><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>157 </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.20</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Investment securities, taxable </FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>69,712</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>417</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.37</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>83,183</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>538</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.57</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>70,059</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>476</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.70</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Investment securities, nontaxable<sup>(2)</sup></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3,249</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>27</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.33</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5,097</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>51</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.94</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5,401</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>53</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.91</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Loans<sup>(10)</sup></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,908,067</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>23,124</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.81</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,840,450</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>22,817</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.92</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,666,274</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>20,405</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.89</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Total interest-earning assets </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,053,591</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>23,902</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.62</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,039,899</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>24,069</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.68</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,770,025</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>21,091</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.73</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Noninterest-earning assets </FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>115,686</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>109,395</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>80,204</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Total assets </FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,169,277</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,149,294</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,850,229</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; vertical-align: top; text-align: left"><B><FONT size=1 face=Arial>Interest-bearing liabilities</FONT></B></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>NOW accounts </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>221,248</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>169</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>0.30</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>215,125</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>159</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>0.29</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>228,042</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>86</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>0.15</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Savings &amp; money market </FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>927,734</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3,799</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.62</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>899,407</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4,106</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.81</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>722,720</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,767</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.52</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Time deposits </FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>326,615</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,803</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.19</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>374,200</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,144</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.27</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>355,223</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,792</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.00</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; background-color: Silver; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Total interest-bearing deposits </FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,475,597</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5,771</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.55</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,488,732</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6,409</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.71</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,305,985</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4,645</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.41</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>FHLB advances and other borrowings </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6,420</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>46</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.78</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>25,037</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>218</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.45</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>35,063</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>284</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.21</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; border-bottom: Black 1pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Subordinated debentures </FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>35,896</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>446</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.93</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>13,642</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>150</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.36</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>13,403</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>153</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.53</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Total interest-bearing liabilities </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,517,913</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6,263</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.64</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,527,411</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6,777</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.76</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,354,451</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>5,082</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.49</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; background-color: Silver; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Noninterest-bearing liabilities </FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>450,025</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>428,444</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>325,370</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Shareholders&#8217; equity </FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>201,339</FONT></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>193,439</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>170,408</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 30pt; background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity </FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,169,277</FONT></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,149,294</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,850,229</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Net interest spread </FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.98</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.92</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.24</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Net interest income (tax equivalent) / margin </FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>17,639</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.41</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>17,292</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.36</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>16,009</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>3.59</FONT></TD>

   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Less: tax-equivalent adjustment<SUP>(2)</SUP>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>6</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>13</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>12</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; vertical-align: top; text-align: left"><FONT size=1 face=Arial>Net interest income </FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: Silver; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>17,633</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>17,279</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>15,997</FONT></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income was $17.6 million for the fourth quarter of 2019, a $354,000 increase from the third quarter of 2019 and a $1.6 million increase from the fourth quarter of 2018. The increase in net interest income as compared to the third quarter of 2019 resulted primarily from the growth in our loan portfolio and lower costing deposit balances, partially offset by a reduction in cash and investment securities. Net interest income in comparison to the prior year quarter increased primarily due to loan growth but was partially offset by growth in interest-bearing deposits. Our net interest margin, on a tax-equivalent basis, was 3.41% for the fourth quarter of 2019, a five basis point increase from 3.36% for the third quarter of 2019 and an 18 basis point decrease from 3.59% for the fourth quarter of 2018. Our average interest-earning assets increased by $13.7 million during the fourth quarter of 2019 for interest income of $23.9 million, or a yield of 4.62%, while our average interest-bearing liabilities decreased by $9.5 million for interest expense of $6.3 million, or a cost of 1.64%. While our average loans grew by $67.6 million, our average federal funds sold and interest-bearing deposits decreased by $38.6 million, and our average investment securities decreased by $15.3 million during the fourth quarter, and the yield on interest-earning assets declined by six basis points from the third quarter of 2019. In addition, our average interest-bearing liabilities, which consist primarily of interest-bearing deposits, decreased by $9.5 million, and the total cost of funds declined 12 basis points in the fourth quarter of 2019. The decrease in average interest-bearing deposits was driven by an expected reduction in two large client deposit accounts.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<br>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><B><FONT size=2 face=Arial>BALANCE SHEETS - Unaudited</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; 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: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 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"></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: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 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"></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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>



   <TD COLSPAN="15" STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>Ending Balance</FONT></B></TD>
</TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" colSpan=3 noWrap align=center><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June&nbsp;30</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left; vertical-align: top"><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 COLSPAN="3" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><B><FONT size=2 face=Arial>Assets</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; text-align: left"><FONT size=2 face=Arial>Cash and cash equivalents:</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></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Cash and due from banks</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>19,196</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>44,349</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>12,220</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>16,853</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>17,434</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>89,256</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,215</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>64,520</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75,207</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,882</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Interest-bearing deposits with banks</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>19,364</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>70,959</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>40,044</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>25,246</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>19,557</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; border-bottom: Black 1pt solid; width: 84%; text-align: left"><FONT size=2 face=Arial>Total cash and cash equivalents</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>127,816</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>134,523</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>116,784</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; 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>117,306</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>72,873</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Investment securities:</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Investment securities available for sale</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>67,694</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>89,427</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75,252</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>73,300</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>74,905</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Other investments</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,948</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,307</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,311</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,309</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,121</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Total investment securities</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>74,642</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>92,734</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>78,563</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>76,609</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>79,026</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>27,046</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>40,630</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>24,509</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,393</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>9,241</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Loans <SUP>(5)</SUP></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,838,427</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,809,355</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,733,964</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,677,332</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Less allowance for loan losses</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,642</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,848</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,144</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(16,051</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(15,762</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Loans, net</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>1,926,883</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,822,579</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,793,211</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,717,913</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,661,570</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Bank owned life insurance</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>40,011</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>39,730</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>39,448</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>34,226</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>34,010</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Property and equipment, net</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>58,478</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>54,846</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>48,262</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>47,262</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>32,430</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Deferred income taxes</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,275</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>8,970</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>7,049</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>3,877</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>4,020</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,044</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,614</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8,218</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,840</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,444</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Total assets</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,267,195</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,201,626</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,116,044</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,014,426</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,900,614</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Liabilities</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Deposits</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="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>1,876,124</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,899,295</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,854,008</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,758,235</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>1,648,136</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Federal Home Loan Bank advances</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>110,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>50,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Subordinated debentures</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>35,890</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>35,887</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>13,403</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other 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: 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>39,321</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>42,950</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>33,779</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>36,602</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,159</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Total liabilities</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,061,335</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,003,132</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,926,190</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,833,240</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,726,698</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B><FONT size=2 face=Arial>Shareholders&#8217; equity</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Preferred stock - $.01 par value; 10,000,000 shares authorized</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Common Stock - $.01 par value; 10,000,000 shares authorized</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>77</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>76</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>76</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Nonvested restricted stock</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(803</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(919</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(887</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(993</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(741</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Additional paid-in capital</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>106,152</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>105,378</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>104,354</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>103,600</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>102,625</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Accumulated other comprehensive income (loss)</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(298</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>424</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>188</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(379</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></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>(917</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Retained earnings</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>100,732</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>93,535</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>86,123</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>78,883</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>72,874</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Total shareholders&#8217; equity</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>205,860</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>198,494</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>189,854</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>181,186</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>173,916</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Total liabilities and shareholders&#8217; equity</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,267,195</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>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,201,626</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>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,116,044</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>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,014,426</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>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,900,614</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><B><FONT size=2 face=Arial>&nbsp; </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=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Book value per common share</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26.83</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26.05</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25.12</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24.14</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23.29</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Stock price:</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>High</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>44.32</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41.69</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.16</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.10</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.00</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Low</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>37.94</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>36.27</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>33.97</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>31.63</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=right><FONT size=2 face=Arial>30.26</FONT></TD>

   <TD style="BACKGROUND-COLOR: #c0c0c0" width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Period end</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>42.49</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.85</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.16</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>33.87</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>32.07</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 84%; text-align: left"><FONT size=2 face=Arial>Common shares outstanding</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,673</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,619</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,558</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,506</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,466</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; background-color: #c0c0c0; width: 1%; white-space: nowrap; text-align: left"></TD></TR></TABLE>


<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<br>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</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"></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></TR>

<TR STYLE="vertical-align: bottom">
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD></TR>


<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" colSpan=3 noWrap align=center><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></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> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></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> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></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> <B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; background-color: Silver"><B><FONT size=1 face=Arial>&nbsp;</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"><B><FONT size=1 face=Arial>&nbsp;</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: center; background-color: Silver"><B><FONT size=1 face=Arial>&nbsp;</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"><B><FONT size=1 face=Arial>&nbsp;</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: center; background-color: Silver"><B><FONT size=1 face=Arial>&nbsp;</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><B><FONT size=2 face=Arial>Commercial</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp; &nbsp;</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=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"><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: left; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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>188</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,963</FONT></TD>

   <TD width="1%" noWrap align=left></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>372</FONT></TD>

   <TD width="1%" noWrap align=left></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>403</FONT></TD>

   <TD width="1%" noWrap align=left></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>210</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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: 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: 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: 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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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>235</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>198</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>65</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>72</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>81</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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"></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"></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: 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: 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: 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: right; 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: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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>1,829</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,637</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,710</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,840</FONT></TD>

   <TD width="1%" noWrap align=left></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>1,980</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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>431</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: 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>467</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: 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>442</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: 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>1,249</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: 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>1,006</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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=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=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=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=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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: 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: 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: 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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>4,111</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,763</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,220</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,485</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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>6,794</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: 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>7,028</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: 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>5,809</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: 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>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: 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>5,830</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>-</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total nonperforming assets</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,794</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>7,028</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,809</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>6,049</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,830</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><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=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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"><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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.32</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>0.27</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></FONT></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"><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></FONT></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"><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><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><I></I></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=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=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.32</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.35</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.35</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Accruing troubled debt restructurings</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,219</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>5,791</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,935</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,839</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>6,742</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 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=right><B><FONT size=1 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></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial>Quarter Ended</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT><FONT size=1 face=Arial>&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>2019</FONT></B><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD 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><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD 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><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD 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><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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"></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: 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: 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: 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><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>15,848</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,144</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,051</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,140</FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>(275</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(963</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(237</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></FONT></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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>19</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>17</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>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: 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"><FONT size=2 face=Arial>&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></FONT></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></TR>

<TR vAlign=bottom>

   <TD STYLE="padding-left: 15pt; width: 84%; white-space: nowrap; text-align: left; 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>(256</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(946</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>(207</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></FONT></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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>1,050</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>650</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>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: 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"><FONT size=2 face=Arial>&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></FONT></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></TR>

<TR vAlign=bottom>

   <TD STYLE="background-color: Silver; width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Balance, end of period</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16,642</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,848</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16,144</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>16,051</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,762</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>

<TR vAlign=bottom>

   <TD width="84%" noWrap align=left><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>0.86</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.86</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.89</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.93</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; 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>244.95</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>225.50</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></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>277.91</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></FONT></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: 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><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>0.06</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.21</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.06</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.00</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: 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></TR></TABLE>


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total nonperforming assets decreased by $234 thousand to $6.8 million, which represents 0.30% of total assets, a decrease of two basis points compared to September 30, 2019. The decrease in nonperforming assets was primarily a result of $1.5 million of nonaccrual loans removed or charged-off in the fourth quarter, partially offset by $1.3 million of loans added to nonaccrual status. The allowance for loan losses as a percentage of nonaccrual loans was 245.0% at December 31, 2019, compared to 225.5% at September 30, 2019 and 270.4% at December 31, 2018. </FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At December 31, 2019, the allowance for loan losses was $16.6 million, or 0.86% of total loans compared to $15.8 million, or 0.86% of total loans at September 30, 2019 and $15.8 million, or 0.94% of total loans at December 31, 2018. Net charge-offs were $256,000, or 0.06% on an annualized basis, for the fourth quarter of 2019 compared to $946,000, or 0.21% of net charge-offs, annualized, for the third quarter of 2019. Net charge-offs were $978,000 for the fourth quarter of 2018, or 0.23% on an annualized basis. </FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<br>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><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"></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"></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></TR>

<TR vAlign=bottom>

   <TD width="100%" colSpan=17 align=center>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B></B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" colSpan=3 noWrap align=center><B></B><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B><B><FONT size=1 face=Arial>2019</FONT></B> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B> <B></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; 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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></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: 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: 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: 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><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=right><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>407,851</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>392,896</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>390,727</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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><FONT size=2 face=Arial>&nbsp;&nbsp;</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>367,018</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; width: 84%; text-align: left; 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>501,878</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>481,865</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>455,346</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>423,953</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>404,296</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><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=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>80,486</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>75,710</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>85,065</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>80,561</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>84,411</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; background-color: Silver; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Business</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>308,123</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>290,154</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>292,564</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>281,502</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>272,980</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1pt solid; text-align: left"><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: right; 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>1,298,338</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,240,625</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,223,702</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,172,272</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,128,705</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; 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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></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: 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: 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: 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><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=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>398,245</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>346,512</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>342,100</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>330,538</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>320,943</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; width: 84%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Home equity</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>179,738</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>174,611</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>170,861</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>167,146</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>165,937</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><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=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41,471</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>49,548</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>46,247</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>39,838</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>37,925</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; background-color: Silver; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Other</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>25,733</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27,131</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>26,445</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>24,170</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>23,822</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1pt solid; text-align: left"><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: right; 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>645,187</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>597,802</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>585,653</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>561,692</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>548,627</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>1,943,525</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,838,427</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,809,355</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,733,964</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>1,677,332</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><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: right; 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>(16,642</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,848</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(16,144</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(16,051</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,762</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; background-color: Silver; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Total loans, net</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,926,883</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,822,579</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,793,211</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,717,913</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,661,570</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B>&nbsp;</B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION - Unaudited </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"></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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B>&nbsp;</B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD width="1%" noWrap align=right><B></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=right><B><FONT size=1 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></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B></B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B><B><FONT size=1 face=Arial>Quarter Ended</FONT></B><B></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B></B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial></FONT></B><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B><B></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B><B></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B><B></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B><B><FONT size=1 face=Arial>2019</FONT></B> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></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> <B></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2018</FONT></B> <B></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; 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"><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>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>397,331</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>414,704</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>368,906</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>359,754</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>346,570</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><FONT size=2 face=Arial>Interest bearing:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; width: 84%; text-align: left; 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>228,680</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>230,676</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>229,109</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>211,613</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>186,795</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Money market accounts</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>898,923</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>891,784</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>857,478</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>791,490</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>730,765</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; width: 84%; text-align: left; 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: right; background-color: Silver"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=2 face=Arial>16,258</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>15,912</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>15,180</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>15,451</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</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>15,486</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>47,941</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>55,501</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>59,382</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>61,331</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</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>63,073</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 15pt; background-color: Silver; width: 84%; border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Time and out-of-market deposits, $100,000 and over</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>286,991</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>290,718</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>323,953</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>318,596</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>305,447</FONT></TD>

   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; padding-left: 30pt; width: 84%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Total deposits</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,876,124</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,899,295</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,854,008</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,758,235</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,648,136</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>&nbsp;&nbsp;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 84%; text-align: left; vertical-align: top"><B></B></TD>

   <TD width="1%" noWrap align=left><B></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR></TABLE>
<BR>

<div style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>ABOUT SOUTHERN FIRST BANCSHARES </FONT></B><BR><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 Bank has been providing financial services since 1999 and now operates in 13 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First Bancshares has assets of approximately $2.3 billion and its common stock is traded in the NASDAQ Global Market under the symbol &#8220;SFST.&#8221; More information can be found at </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT><FONT size=2 face=Arial>.</FONT></DIV>
<DIV>____________________</DIV><BR>
<DIV style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Footnotes to tables:</FONT></DIV>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; width: 1%; text-align: right"><FONT size=1 face=Arial>(1)</font></TD>
    <TD STYLE="vertical-align: top; width: 99%; text-align: left"><FONT size=1 face=Arial>Total revenue is the sum of net interest income and noninterest income.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(2)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(3)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Annualized for the respective three-month period.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(4)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Noninterest expense divided by the sum of net interest income and noninterest income.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(5)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Excludes mortgage loans held for sale.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(6)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Excludes out of market deposits and time deposits greater than $250,000.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(7)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>December 31, 2019 ratios are preliminary.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(8)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(9)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.</font></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="padding-right: 3pt; vertical-align: top; text-align: right"><FONT size=1 face=Arial>(10)</font></TD>
    <TD STYLE="vertical-align: top; text-align: left"><FONT size=1 face=Arial>Includes mortgage loans held for sale.</font></TD></TR>
</TABLE>


<p style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>FORWARD-LOOKING STATEMENTS</FONT></B><BR><FONT size=2 face=Arial>Certain statements in this news release contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans and expectations, and are thus prospective. Such forward-looking statements are identified by words such as &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;estimates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;targets,&#8221; and &#8220;projects,&#8221; as well as similar expressions. Such statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Although we believe that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate. Therefore, we can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking information should not be construed as a representation by our company or any person that the future events, plans, or expectations contemplated by our company will be achieved.</FONT></P>

 <P style="TEXT-ALIGN: CENTER"><FONT size=2 face=Arial>6</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P style="text-align: justify; margin-bottom: 0pt">
<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><FONT size=2 face="Arial">&#160;&#160;</FONT></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%; border-bottom: Black 2pt dashed">&nbsp;</TD></TR>
</TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>FINANCIAL CONTACT: MIKE DOWLING &nbsp;864-679-9070</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>MEDIA CONTACT: ART SEAVER &nbsp;864-679-9010</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>WEB SITE: </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT></P>
<P style="text-align: CENTER;">
<FONT size=2 face="Arial">7</FONT></P>
<HR noshade align="center" width="100%" size=2>


</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>sfb35772715-8k1x1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb35772715-8k1x1x1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" != *$# 2(  A$! Q$!_\0
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ML;G2M1N["+2H+35X;=-0T_4P/T3;]$?2/A;]JG]J7]N.S\0WG[#.A>#?@O\
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MZIXR\8?\%M/^"BNB^"_@[?76G?\ !.'_ ()Z^,;#5M0\?W?A.&?PY\2?VIM
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M^9__  4!^R_M$_$+X!?\$%_V"M->Q^#OPP\.^%M=_;+_ .$'U"X30O OP4\
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M(?C_ &IK QCUR,'CM[<?G+_P=?\ '_!+[0S_ -72?"@_^6G\3*]'_P""1/\
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M>6G%+2+7-)O]!HB#$A4$ K\JG&<< #CH/8C*YP0N"*<[*$9GX4*<YP.,'/7
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HJLGA[1?#VCRW<<#1VS3VFCV37*0I/>"XO9)[J;IZ"/G?U"BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>sfb35772715-8k1x5x2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb35772715-8k1x5x2.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !/ (@# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#^_BBBB@ H
MHHH **"<5!-<0P1/-*Q6.)2[E4D<@*,G"1JSL>P55)8X !) J)U(4XRE4G&$
M8Q<I2D[*,8IRE)NS222;;>R3?0$FVDM6]$NK;[*_FOO)ZBE<HI8 $@'Z\8XS
MSU/MCD?6O.=2^+W@#1;E;;6=7N]'9VV1S:MX?\1Z=9NV0OR7UYI,-DRY(^<7
M&T=R*[B+4[*]TXZE87-O>6DUL;BWNK:5)[>>$Q[UDBEC8QNA4Y#*Q';)/%?+
MX+C7A+-JV:X?)^)LCS;&9'1GBLUR_+LTP>*QV"I485*TGB<'"I'$THSAAZL8
MSE0E3YM'.+5GU5\OQV'A1J8C"8G#TL2U&A5JT:E.G5;?+^[J-.$FG).RG?3X
M6M3RWX;_ !$E\7^*OB7H4SAQX6\1QV5@  NW3_L_V*120 9"-4TZ_E+L-P6X
M6/.U4KV6OSO_ &7-=EN/BSXK$KEQK^DZM?R%B,-.FMVEPC$'DG9=3D-U]20W
M'W-XG\;^%/!EO'=>)]<L-'BG8K +J7$UPP^\MO;('N)RN1O\F)PFY=Q&Y<_@
MGT9/&.''/@I6XXXSSS!X-91QKXBY'C\WSC&X?!8>E@<FXRS2EE53$XS%5*-)
M<N58_+\-!R;E..%IQA3J27*OJ^,^'O[)XCAE>7X>I4=?+<GQ-+#T*<ZDY5<3
MEU!UU"$%.3<L11KU';1<\FW%*YU5%<;H/C[PUXE*?V1/J<J2!3%/<^'?$.G6
MLP;&TPW>HZ7:VTH;(VE)6!!!!((KL=PSC//T/^%?TCE.>9-GV#IYADF:Y?F^
M!JV]GC,NQ5/%X:=U=<M:E'D=TTU;1IIIM-'R%?#U\+4=+$T:N'JK>G6@Z<UZ
MQD[_ -;"T445ZIB%%%% !1110 445C>(?$7A_P ):'J_B;Q3KFC^&O#F@:?=
M:KKFOZ_J=EH^B:-IEE$T]YJ.JZKJ,UO8Z=86L*M-<W=W/#;P1*TDLBH": .+
M^-'QA^'O[/OPE^(_QP^+/B&W\)_#3X4>#/$/C[QQXBN8YIX])\->&--N-5U6
MZ2UMDENKVY%M;/'9V%I%->7]Y)!96D,US/%&WYHZ7_PVM^V-\*;C]H/4/VD/
M$_\ P3E^#/B;PC-XW^%?P^\"_#GX/>-?C78> +C16UK0O'_[0WC3XQ>'?B-X
M3\/ZIJVEO%XBOOA7X \-Z-<>"],:#2-<^(^L:U_:::=\;_\ !8[]M+]C3]JS
M_@FE^U%\$/!_[1>H^%=/^+?@_3O#?@?]H:3X.?'ZX_9>O/&6F>,M U_PSH6K
M_M*Z/\+-1^#%IX6\9:]H%IX0O?%<?C6XT&RAUI[J6]>.%T/SG^P%_P %6[7]
ML3X<Z7_P28_X*0SZE^QG^W+<Z)X#^'VJVU]I=C;^#/VN?@U/_9$EU;_"GQ>+
MZZ\+6VK?''X=VM]X6N[G0M5O]-\0:9XCO/$_P>U+5)KNVTWPV ?J3_P2+E_:
MIMOV0M _:,_X*"_'34?B)\;OC_;Z5XHTU]:T[3/A_P"'O"7P=L;:[7X1Z=8_
M#?0K31_#7AWQEXM\-WTGQ \>7%IHMOXCO-5\4VGAS7IKA?".EV]G^@E]^TE\
M*M/D,<NJZI, Y7S[?0-5-L<8!9)9[>$2+R<-&'5@,H6&"?;!HNE(\$RZ?9"2
MWMH[6V;[- /L]O&JK';VXVX@AC10$BA"(F/E%1SZ/IU[');WEC97EM*"DMO<
MP07$,B8P4>*570J>ZD?A7Y=QGEOBQF%63X'XGX+X;IP4HTXY_P &9SQ94KRB
MDXSJU\'Q3PY2PL*DM)4Z>%Q52E&[5:JW9>ME];(Z+7]IX',\;??ZIF6'R^,.
M[4:F QDJK2O9RJ4XO9QZG%>'O'_PY^*-E=V.DZCIVNQ-#)%?Z1>VKQ7!@8;6
M-QINH112O Q.PRI%)"7^59,].8\'^"KKP%X@\6Z!I4LS>"-<TQM9T/3II7G3
M0M3B>2VU:RM7D)9;2Z%U974*L^,K*JQYC=WY/X@_ +3X)5\8_"P?\(IXTTB3
M[?96UA((=,U*2+YVM7MG98;-[E081Y.RTF#M'=V\D<K/'Z[\._&$?CCPI8ZU
M+;_8]3C$NFZ]IS(T<NFZU8MY&I64B2 21[9E\R-'^<P21,1N.*_(<AI\2<2\
M9X#A?QEX;X?R#Q/X=P>9YIP?QOP/+&1X:X]X5QN#QN3<297A98^,,UP-2DLU
MRZMQ-PIFE;,'0P]+ 9[EM=44Z[][&?4L)EU;&</8S%XK),;.EA\PRS,U3>-R
MO'TZE/$X*O4C1;H58R]C6C@LPH0I<\I5L)6@IM07PC^RS;O_ ,+9='7#VOA_
M6A*IZ*4GLH2#CCB0J/\ Z^*^O?"7@1=:\4^(?B#XSMXM2U)]:O[#PK;7^);?
MP_X?TJXEL[.6SMI5,,5UJ$D3ZC+<;3(J2QE&5WES\2ZW\:OA#^Q7IW[4/[2G
MQ[\1IX-^$?P/T74[SQ#K,EN]Y=F'5O$2#1='T73H +C5_$'B&[33=&\/Z-:J
M;G5=5U*PLH 'N :]Y3XN:Y^TCX%^&;_#'0?&_P /=*^*G@[3?'FMP_$/P_+X
M2\;^%?!6N9?18/$?AUKNYO- U36[)7O#HD]S%K,=N8K.^M["9K^*T_G7Z.O#
M6"X%^CS@<_XKR#-^*<PX?\;_ !3GPCP%A*$*]7B[C''\35N$^#X/!XN+PM3%
M8;&9/F6;Y?C\93E@<FG_ &QG522>%@JGU_&&,J9KQ=4P^ Q>'R^CB^&<B689
MG4DX1P&74L%#,<PO5@_:1A.EB:%"K2I-5<2OJV$2?M96QOVP?^"C'[+7[#WP
M;\=_&KXS>,;H^&O %O$ESI7A/3/[=\0>(-?OKI=/T3P?X8MS-9Z=J7BC7-3E
MBL;*QDU.U@@/GWNI75AIMG>WMOZ5\$/VKO 'QF^'W@3QW<:1XO\ A3?^./#F
MD>)%\!_%32;;0/&'AJ/6[9+VSTCQ,-.U#6?#UEKT5M- -0TVVUZ^>PN7>QN'
M%W!/%'^ _P (OA'X"_X*U_\ !0NZ\16WAN?Q!_P39_X)F>/39^"_$5^9)-#_
M &O?V[M#FCM]:\1RSRXMO$/PJ_9\MEN=/TNPTZWCT+6?%.H+>-=ZWH6MWNGV
MW]1O]GVYW(]O"\39#(Z1NC!L@@HP*E<$C!7!]/3^S.'\+X[X[),HQ?$N9>&O
M#F>ULWQV-S3(<GX<S[B+*\#D%:CA_P"Q\DP^=2S[(ZM3-\)>K/-<ZC@*N7XF
MK[.GE^74\-'VE3\[QTN&:6)K4L#0SG%X94:5.EBL1C,'A*\\5&4_;XF6&6#Q
M,%AYVBJ.%=6-:$6W5K\^D;L4J3(DL3J\;J&1E(965N596!(*L.01D$$$5)5&
MQL++38C;6-O!:0;BP@MXTBB5B<';$@")GJ0H&6))&[<3=R/4?F*_9L,Z[H4G
MB84J>(<5[:%&<ZE&-37F]G.<*<Y0=KIRA&2ORN[BY2\&7+=\KDXW]WF2C*W3
MF2;2:V=FUI?K9+129'J/SHW+ZC\Q[?XC\Q6XA:*** $8X!.<8!_S^=?S_?"Z
M\L/^"T?[2?QJ\0?$2Q&L?\$U_P!BSXU:C\(?A5\-1<W3^$_VQOVD/ !M3\0/
MBE\6+595L/&GP;^$.LO!H?PP\"3I>>%O%'B2?4?%WB==3?2M-T>P_?V>+SH9
MH2Q02Q21%E.&7S$*;E/8C.0?45_+A_P3*U_]HW_@B]X,\;_L$?M:?LM?M%?%
M#X,>'OB]\2?'7[.?[8'[+OPC\5_M"^"O&G@CXC^)+CQ5+H7Q0\&?#'3]?^)7
M@#QOIVKWVHW,AU+PWJ%G>?;9["VN?L.D6&K:V ?H%_P4R^"G[6'[9G@K6_\
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M?V=+[0_#5C\+OA9\);FTU#Q1_P +8U30?#^H:S!<V&F:3K/Q(M5U/QDGQO\
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MC>"K2R;7/&>L_6/_  3L_8E^,/Q!_;"_:"_X*R_MW^ +OP;^T7\3;_5?A/\
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M%<:?=:LPTNTNK>Y_>?Q6H'A3Q0V.7\/:R3QU_P");<X)X'.,#IV^F #^0/\
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M&FF73.['LJH"S'T!KIJ^:?VPK/XY:Q^S3\9?#'[-WA?PWXI^-7C+P!XI\&>
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MBO\ X)<?\%$_^"M^H? WX2_L\:3\"O!/P.^"&J>*/&M[XJ^*'Q6UC3->\?\
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M66UHOB#6;_7M<\/ZD(+R*RO[W2[R[L/.L98S^BO[4G_!%O\ ;;\4?M9?!?\
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!V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
