<SEC-DOCUMENT>0001206774-20-002950.txt : 20201027
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<ACCEPTANCE-DATETIME>20201027090024
ACCESSION NUMBER:		0001206774-20-002950
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20201027
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201027
DATE AS OF CHANGE:		20201027

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:		201262152

	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
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<p style="text-align: center"><b><span style="font-size: 14pt; font-family: Arial">UNITED STATES<br />SECURITIES AND EXCHANGE COMMISSION<br /></span><span style="font-size: 10pt; font-family: Arial">WASHINGTON, DC 20549</span></b></p>

<p style="text-align: center"><span style="font-size: 14pt; font-family: Arial; font-weight: bold">FORM <span id="xdx_90A_edei--DocumentType_c20201026__20201027_zNQlnu9QYkih"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:DocumentType">8-K</ix:nonNumeric></span></span></p>

<p style="text-align: center"><span style="font-size: 12pt; font-family: Arial; font-weight: bold">CURRENT REPORT PURSUANT<br />TO SECTION 13 OR 15(D) OF THE<br />SECURITIES EXCHANGE ACT OF 1934</span></p>

<p style="text-align: center"><span style="font-size: 10pt; font-family: Arial">Date of report (Date of earliest event reported)&#160;</span><span style="font-size: 10pt; font-family: Arial"><span style="text-decoration: underline">&#160;&#160;<span id="xdx_904_edei--DocumentPeriodEndDate_c20201026__20201027_zLHkbOSyAemg"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">October 27, 2020</ix:nonNumeric></span>&#160;&#160;</span></span></p>

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   <td style="width: 100%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial">(Exact name of registrant as specified in its charter)</span></td></tr>

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   <td style="width: 100%; white-space: nowrap; text-align: center">&#160;</td></tr></table>


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   <td style="width: 100%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial">(State or other jurisdiction of incorporation)</span></td></tr>

<tr style="vertical-align: bottom">

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   <td style="border-bottom: #000000 1pt solid; width: 5%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold"><span id="xdx_908_edei--EntityFileNumber_c20201026__20201027_zdNJ5FZc99z8"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityFileNumber">000-27719</ix:nonNumeric></span></span></td>

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   <td style="width: 5%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial">(IRS Employer Identification No.)</span></td></tr>

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   <td style="border-bottom: #000000 1pt solid; width: 5%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold"><span id="xdx_901_edei--EntityAddressAddressLine1_c20201026__20201027_zo8Vfk8QspGg"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityAddressAddressLine1">100 Verdae Boulevard</ix:nonNumeric></span>, <span id="xdx_90A_edei--EntityAddressAddressLine2_c20201026__20201027_zD4DSH1ZIFTb"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityAddressAddressLine2">Suite 100</ix:nonNumeric></span>, <span id="xdx_90D_edei--EntityAddressCityOrTown_c20201026__20201027_zuoPf06GJlyc"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityAddressCityOrTown">Greenville</ix:nonNumeric></span>, <span id="xdx_90F_edei--EntityAddressStateOrProvince_c20201026__20201027_zHRe8AvDppRc"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityAddressStateOrProvince">SC</ix:nonNumeric></span></span></td>

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<tr>

   <td style="width: 99%; text-align: center">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="border-bottom: #000000 1pt solid; width: 99%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold"><span id="xdx_90E_edei--EntityInformationFormerLegalOrRegisteredName_c20201026__20201027_z0UbbIxA1sef"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:EntityInformationFormerLegalOrRegisteredName">Not Applicable</ix:nonNumeric></span></span></td></tr>

<tr style="vertical-align: bottom">

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<p style="text-align: left"><span style="font-size: 10pt; font-family: 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):</span></p>

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   <td style="width: 1%; vertical-align: top; text-align: left; padding-right: 8pt"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_909_edei--WrittenCommunications_c20201026__20201027_zpnPAMpaGY6i"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:booleanfalse" name="dei:WrittenCommunications">&#9744;</ix:nonNumeric></span></span></td>

   <td style="vertical-align: top; width: 99%; text-align: left"><span style="font-size: 10pt; font-family: Arial">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; text-align: left; padding-right: 8pt">&#160;</td>

   <td style="vertical-align: top; text-align: left">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 1%; vertical-align: top; text-align: left; padding-right: 8pt"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_905_edei--SolicitingMaterial_c20201026__20201027_zzHhguGwNQM7"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></span></td>

   <td style="vertical-align: top; width: 99%; text-align: left"><span style="font-size: 10pt; font-family: Arial">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; text-align: left; padding-right: 8pt">&#160;</td>

   <td style="vertical-align: top; text-align: left">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 1%; vertical-align: top; text-align: left; padding-right: 8pt"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_906_edei--PreCommencementTenderOffer_c20201026__20201027_zWIqhIED2r48"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></span></td>

   <td style="vertical-align: top; width: 99%; text-align: left"><span style="font-size: 10pt; font-family: Arial">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))</span></td></tr>

<tr style="vertical-align: bottom">

   <td style="vertical-align: top; text-align: left; padding-right: 8pt">&#160;</td>

   <td style="vertical-align: top; text-align: left">&#160;</td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 1%; vertical-align: top; text-align: left; padding-right: 8pt"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_906_edei--PreCommencementIssuerTenderOffer_c20201026__20201027_zP6sVVfhuiS9"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></span></td>

   <td style="vertical-align: top; width: 99%; text-align: left"><span style="font-size: 10pt; font-family: Arial">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr></table>

<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial">Securities registered pursuant to Section 12(b) of the Act:</span></p>

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<tr style="vertical-align: bottom">

   <td style="border-bottom: #000000 1pt solid; width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">Title of each class</span></td>

   <td style="width: 1%; white-space: nowrap; text-align: center">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: #000000 1pt solid; width: 32%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">Trading Symbol(s)</span></td>

   <td style="width: 1%; white-space: nowrap; text-align: center">&#160;&#160;&#160;&#160;&#160;</td>

   <td style="border-bottom: #000000 1pt solid; width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">Name of each exchange on which registered</span></td></tr>

<tr style="vertical-align: bottom">

   <td style="width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_90C_edei--Security12bTitle_c20201026__20201027_z69Dc1BGEJe8"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:Security12bTitle">Common Stock</ix:nonNumeric></span></span></td>

   <td style="width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="width: 32%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_909_edei--TradingSymbol_c20201026__20201027_zmHQjTE4o5Ib"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" name="dei:TradingSymbol">SFST</ix:nonNumeric></span></span></td>

   <td style="width: 1%; white-space: nowrap; text-align: center"></td>

   <td style="width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial">The <span id="xdx_903_edei--SecurityExchangeName_c20201026__20201027_zJ5b4PdJpzej"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">Nasdaq</ix:nonNumeric></span> Global Market</span></td></tr></table>

<p style="text-align: left"><span style="font-size: 10pt; font-family: 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).</span></p>

<p style="text-align: right"><span style="font-size: 10pt; font-family: Arial">Emerging growth company <span id="xdx_90F_edei--EntityEmergingGrowthCompany_c20201026__20201027_zLOOZO4zjjij"><ix:nonNumeric contextRef="From2020-10-26to2020-10-27" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></span></p>

<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</span></p>

<hr style="width: 100%; color: Gray; background-color: Gray; height: 2px; border-width: 0; text-align: center" />



<div style="page-break-before: always"></div>
<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">ITEM 2.02. Results of Operations and Financial Condition.</span></p>

<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial">On October 27, 2020, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended September 30, 2020. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.</span></p>

<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">ITEM 9.01. Financial Statements and Exhibits.</span></p>

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<tr style="vertical-align: bottom">

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial"><span style="font-size: 10pt; font-family: Arial">&#160;&#160;&#160;&#160;&#160;</span></span></td>

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial">(d) Exhibits</span></td>

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial"><span style="font-size: 10pt; font-family: Arial"><span style="font-size: 10pt; font-family: Arial">&#160;&#160;&#160;&#160;&#160;</span></span></span></td>

   <td style="vertical-align: top; width: 100%; text-align: left"><span style="font-size: 10pt; font-family: Arial">The following exhibit index lists the exhibits that are either filed or furnished with the Current Report on Form 8-K.</span></td></tr></table>


<p style="text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">EXHIBIT INDEX</span></p>

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   <td style="width: 1%; white-space: nowrap; text-align: left"><span style="border-bottom: black 1pt solid; font: 10pt Arial">Exhibit No.</span></td>

   <td style="width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial"><span style="text-decoration: underline"></span></span></td>

   <td style="width: 100%; white-space: nowrap; text-align: left"><span style="border-bottom: black 1pt solid; font: 10pt Arial">Description</span></td></tr>

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   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><a href="sfb35772728-ex991.htm" style="-sec-extract: exhibit"><span style="font-size: 10pt; font-family: Arial">99.1</span></a></td>

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial">&#160;&#160;&#160;&#160;&#160;</span></td>

   <td style="vertical-align: top; width: 100%; text-align: left"><a href="sfb35772728-ex991.htm" style="-sec-extract: exhibit"><span style="font-size: 10pt; font-family: Arial">Earnings Press Release for period ended September 30, 2020.</span></a></td></tr>

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   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial">104</span></td>

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left"><span style="font-size: 10pt; font-family: Arial"></span></td>

   <td style="vertical-align: top; width: 100%; text-align: left"><span style="font-size: 10pt; font-family: Arial">Cover Page Interactive Data File (embedded within the Inline XBRL document)</span></td></tr>                                                                                                                                                                               <tr style="vertical-align: bottom">
   <td style="vertical-align: top; white-space: nowrap; text-align: left">&#160;</td>
   <td style="vertical-align: top; white-space: nowrap; text-align: left">&#160;</td>
   <td style="vertical-align: top; text-align: left">&#160;</td></tr>
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<p style="text-align: center"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">SIGNATURES</span></p>

<p style="text-align: left"><span style="font-size: 10pt; font-family: 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.</span></p>



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   <td colspan="2" style="text-align: left"><span style="font-size: 10pt; font-family: Arial; font-weight: bold">SOUTHERN FIRST BANCSHARES, INC.</span></td></tr>

<tr>

   <td>&#160;</td>

   <td></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left; width: 1%"><span style="font-size: 10pt; font-family: Arial">By:</span></td>

   <td style="width: 50%; text-align: left"><span style="border-bottom: black 1pt solid; font: 10pt Arial">/s/ Michael D. Dowling</span></td></tr>

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   <td style="text-align: left"><span style="font-size: 10pt; font-family: Arial">Name:&#160;&#160;&#160;</span></td>

   <td style="text-align: left"><span style="font-size: 10pt; font-family: Arial">Michael D. Dowling</span></td></tr>

<tr style="vertical-align: bottom">

   <td style="text-align: left"><span style="font-size: 10pt; font-family: Arial">Title:</span></td>

   <td style="text-align: left"><span style="font-size: 10pt; font-family: Arial">Chief Financial Officer</span></td></tr></table>


<p style="text-align: left"><span style="font-size: 10pt; font-family: Arial">October 27, 2020</span></p>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb35772728-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR PERIOD ENDED SEPTEMBER 30, 2020
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<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>
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<TR>

   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><IMG border=0 src="sfb35772728-ex9911x1x1.jpg"> </TD>

   <TD WIDTH="99%" STYLE="text-align: center; vertical-align: bottom"><B><FONT size=3 face=Arial>Southern First Reports Results for Third Quarter 2020</FONT></B></TD></TR></TABLE>
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<P style="TEXT-ALIGN: justify"></P>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, October 27, 2020 </FONT></B><FONT size=2 face=Arial>&#8211; Southern First Bancshares, Inc. </FONT><B><FONT size=2 face=Arial>(NASDAQ: SFST)</FONT></B><FONT size=2 face=Arial>, holding company for Southern First Bank, today announced its financial results for the three- and nine-month period ended September 30, 2020.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;I am proud of our team&#8217;s performance in this COVID environment. Our team of bankers have generated excellent loan growth, maintained our margin, and closed record volume of mortgage originations,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer.</FONT></P>

<DIV style="TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>2020 Third Quarter Highlights</FONT></U></B></DIV>

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<TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Net income of $2.2 million, compared to $7.4 million for Q3 2019</FONT></B></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Diluted earnings per common share of $0.28 per share, compared to $0.95 for Q3 2019</FONT></B></TD></TR>

<TR>

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

   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Loan loss provision of $11.1 million, compared to $650 thousand for Q3 2019</FONT></B></TD></TR></TABLE>

<DIV STYLE="padding-top: 12pt; text-align: justify"><B><U><FONT size=2 face=Arial>COVID-19 Update</FONT></U></B></DIV>

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

   <TD COLSPAN="2" STYLE="vertical-align: top"><B><FONT size=2 face=Arial>Payment modifications on 864 loans totaling $626.7 million as of September 30, 2020</FONT></B></TD></TR>

<TR>

   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%"></TD>

   <TD STYLE="padding-left: 15pt; vertical-align: top; width: 1%; padding-right: 8pt"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD>

   <TD STYLE="vertical-align: top; width: 98%"><B><FONT size=2 face=Arial>68% of loan modifications, or $423.8 million, have returned to original payment status</FONT></B></TD></TR>

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

   <TD COLSPAN="2" STYLE="vertical-align: top"><B><FONT size=2 face=Arial>Loans within nine targeted industries represent 39% of total loan modifications as of September 30, 2020</FONT></B></TD></TR>

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   <TD STYLE="padding-right: 8pt; vertical-align: top"></TD>

   <TD STYLE="padding-left: 15pt; vertical-align: top; padding-right: 8pt"><FONT style="FONT-SIZE: 9.5pt">&#9675;</FONT></TD>

   <TD STYLE="vertical-align: top"><B><FONT size=2 face=Arial>64% of target industry modifications, or $157.3 million, have returned to original payment status</FONT></B></TD></TR>

<TR>

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

   <TD COLSPAN="2" STYLE="vertical-align: top"><B><FONT size=2 face=Arial>Modified loans completing payment deferral period projected to total 89% by October 31, 2020</FONT></B></TD></TR>

<TR>

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

   <TD COLSPAN="2" STYLE="vertical-align: top"><B><FONT size=2 face=Arial>Modified loans with remaining payment deferrals projected to be 3% of total loans by October 31, 2020</FONT></B></TD></TR>

<TR>

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

   <TD COLSPAN="2" STYLE="vertical-align: top"><B><FONT size=2 face=Arial>Consolidation and sale of two Columbia, South Carolina offices complete</FONT></B></TD></TR></TABLE><BR>

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



<TR vAlign=bottom>

   <TD STYLE="border-top: Black 1.5pt solid; padding-left: 4pt; width: 89%; white-space: nowrap; text-align: left"></TD>

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

   <TD COLSPAN="10" STYLE="border-top: Black 1.5pt solid; border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B> </TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"></TD>

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

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

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

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

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

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

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

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

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

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

<TR vAlign=bottom>

   <TD STYLE="padding-left: 4pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

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

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

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

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

   <TD STYLE="padding-right: 4pt; width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Earnings </FONT></B><FONT size=2 face=Arial>($ in thousands, except per share data)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net income available to common shareholders</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,217</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,678</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,832</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,198</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>7,412</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Earnings per common share, diluted</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.28</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.60</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.36</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.92</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.95</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28,221</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28,981</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,014</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21,136</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>21,675</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.52%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.42%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.43%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.41%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>3.36%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.37%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.77%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.51%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.32%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1.37%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.16%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8.78%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.42%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14.18%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>15.20%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>50.26%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>43.63%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>56.20%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>51.92%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>52.98%</FONT></TD></TR>

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

   <TD STYLE="padding-left: 4pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Noninterest expense to average assets <SUP>(3)</SUP></FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.34%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.09%</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.01%</FONT></TD>

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

   <TD STYLE="padding-right: 4pt; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2.12%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Balance Sheet </FONT></B><FONT size=2 face=Arial>($ in thousands)</FONT><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total loans<SUP>(5)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,078,540</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,036,801</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,030,261</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,838,427</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total deposits</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,181,056</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,188,643</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,025,698</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,876,124</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,899,295</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,011,919</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,991,005</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,804,027</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,656,005</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>1,690,294</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total assets</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>2,479,411</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,482,295</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,372,249</FONT></TD>

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

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>2,201,626</FONT></TD></TR>

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

   <TD STYLE="padding-left: 4pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Loans to deposits</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: 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>95.30%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>93.06%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>100.23%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>103.59%</FONT></TD>

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

   <TD STYLE="padding-right: 4pt; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>96.80%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Holding Company Capital Ratios</FONT></B><B><FONT size=2 face=Arial><SUP>(7)</SUP></FONT></B><B><FONT size=2 face=Arial>:</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Total risk-based capital ratio</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14.15%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.76%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.59%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13.73%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>13.63%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.73%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.37%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.29%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.63%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>11.51%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Leverage ratio</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.47%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.38%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.00%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.10%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>9.82%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11.07%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.72%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.63%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.94%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>10.80%</FONT></TD></TR>

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

   <TD STYLE="padding-left: 4pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Tangible common equity<SUP>(9)</SUP></FONT></TD>

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

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.82%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.71%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>8.87%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.08%</FONT></TD>

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

   <TD STYLE="padding-right: 4pt; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9.02%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><B><FONT size=2 face=Arial>Asset Quality Ratios:</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Nonperforming assets/ total assets</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>0.42%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.36%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.42%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.30%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.32%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Classified assets/tier one capital plus allowance for loan losses</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>7.00%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.51%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.99%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.93%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>7.43%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Loans 30 days or more past due</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>0.26%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.40%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.60%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.23%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.30%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Net charge-offs/average loans<SUP>(5) </SUP>(YTD annualized)</FONT></TD>

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

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

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.12%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.04%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.08%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.09%</FONT></TD></TR>

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

   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 4pt"><FONT size=2 face=Arial>Allowance for loan losses/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>2.03%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.55%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.11%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.86%</FONT></TD>

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

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; padding-right: 4pt"><FONT size=2 face=Arial>0.86%</FONT></TD></TR>

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

   <TD STYLE="padding-left: 4pt; border-bottom: Black 1.5pt solid; width: 89%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Allowance for loan losses/nonaccrual loans</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>482.43%</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>350.74%</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>226.14%</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>244.95%</FONT></TD>

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

   <TD STYLE="padding-right: 4pt; border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>225.50%</FONT></TD></TR>

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

   <TD width="100%" colSpan=12 noWrap align=center><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT> <FONT size=2 face=Arial></FONT></TD></TR></TABLE>


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

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



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



<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>COVID-19 IMPACT<BR></FONT></B><FONT size=2 face=Arial>The COVID-19 pandemic has resulted in uncertain economic conditions across the globe, significantly impacting our business and that of many of our clients during 2020. As we progress through the pandemic, the majority of our team has returned to working in the office at this time; however, we maintain the ability to shift to working remotely as needed. Our offices continue to operate in a drive-thru only mode with &#8220;in-person&#8221; client meetings available by appointment to maintain the safety of our team and our clients. This strategy, combined with our digital technology, has been extremely effective in serving our clients, and has created an opportunity for us to consolidate our three Columbia, South Carolina offices into one location. The sale of the two Columbia office buildings was completed on October 9, 2020.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Beginning late in the first quarter of 2020, we began granting loan modifications or deferrals to certain borrowers affected by the pandemic on a short-term basis of three to six months. As of September 30, 2020, our clients had requested loan payment deferrals or payments of interest-only on 864 loans totaling $626.7 million, of which 91% were commercial loans. As of September 30, 2020, 68% of these loans have reached the end of their deferral period and have begun to resume normal payments. In addition, we expect 89% of modified loans to resume normal payment status by October 31, 2020. While our non-performing assets increased during the third quarter of 2020, the increase was not primarily driven by the economic pressures of COVID-19. Instead, the increase related to clients that were experiencing financial difficulty before the pandemic. In addition, our loans past due 30 days or more declined during the third quarter, with commercial loans representing 0.08% and consumer loans representing 0.18% of past due loans.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As we closely monitor credit risk and our exposure to increased loan losses resulting from the impact of COVID-19 on our commercial clients, we have identified nine loan categories in targeted industries to monitor during this crisis. The table below identifies these segments as well as the outstanding and committed loan balances for each industry. Of the $244.4 million of loans modified in these categories as of September 30, 2020, 64% have begun to resume normal payments.</FONT></P>

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



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; padding-left: 4pt; width: 83%">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left; width: 1%">&nbsp;</TD>
   <TD COLSPAN="16" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right; width: 16%">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 4pt; width: 83%"></TD>

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

   <TD COLSPAN="16" STYLE="border-bottom: black 1pt solid; width: 15%; white-space: nowrap; text-align: right; width: 16%"><B><FONT size=1 face=Arial>September 30, 2020</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"></TD>

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

   <TD width="2%" colSpan=2 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>% of</FONT></B></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 style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-RIGHT: 4pt" width="1%"></TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"></TD>

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

   <TD width="2%" colSpan=2 noWrap align=left></TD>

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

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

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

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

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

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

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

   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></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 style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><B><FONT size=1 face=Arial>%</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><B><FONT size=1 face=Arial>Deferral</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><B><FONT size=1 face=Arial>Complete</FONT></B></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Religious organizations</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>66,721</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.2%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>91,548</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>72.9%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>33,648</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>50.4%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,323</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>12.8%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Entertainment facilities</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,709</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.2%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,289</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>50.7%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>824</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17.5%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>824</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>100.0%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Hotels</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>90,612</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.4%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>108,930</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>83.2%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>68,521</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34,075</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>49.7%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Personal care businesses</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,315</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.1%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,359</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>96.8%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>547</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>547</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>100.0%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Restaurants</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,391</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,946</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>89.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,473</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40.9%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,004</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>91.4%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Sports facilities</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,283</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.1%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,827</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,165</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41.1%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,515</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>82.0%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Travel related businesses</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,231</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.1%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,987</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>61.9%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>988</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>80.3%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>988</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>100.0%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Private healthcare facilities</FONT></TD>

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

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34,318</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.6%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39,066</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>87.8%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20,175</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>58.8%</FONT></TD>

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

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>18,508</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>91.7%</FONT></TD></TR>

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

   <TD style="WIDTH: 84%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; PADDING-LEFT: 4pt" width="83%"><FONT size=2 face=Arial>Non-essential retail</FONT></TD>

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

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

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1pt solid">&nbsp;<FONT size=2 face=Arial>195,498</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>9.4%</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>203,035</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>96.3%</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>105,092</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>53.8%</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>85,482</FONT></TD>

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

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>81.3%</FONT></TD></TR>

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

   <TD STYLE="border-bottom: black 1.5pt solid; width: 83%; white-space: nowrap; text-align: left; padding-left: 19pt; width: 83%"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: left" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial><FONT size=2 face=Arial>$</FONT></FONT></TD>

   <TD STYLE="width: 1%; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>430,078</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>20.7%</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>492,987</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>87.2%</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>244,433</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>56.8%</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial>157,266</FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right" width="1%"><FONT size=2 face=Arial></FONT></TD>

   <TD style="WIDTH: 1%; WHITE-SPACE: nowrap; BORDER-BOTTOM: black 1.5pt solid; TEXT-ALIGN: right; PADDING-RIGHT: 4pt" width="1%"><FONT size=2 face=Arial>64.3%</FONT></TD></TR>

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

   <TD width="100%" colSpan=18 noWrap align=left>

   <P style="TEXT-ALIGN: center"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></P></TD></TR></TABLE>


<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>
<!-- Part 02 -->


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



<TR STYLE="vertical-align: bottom">
   <TD colspan=16 STYLE="vertical-align: middle; text-align: left; white-space: nowrap"><B><FONT size=2 face=Arial>INCOME STATEMENTS &#8211; Unaudited</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="10" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: center">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: center">&nbsp;</TD>
   <TD COLSPAN="3" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: center">&nbsp;</TD></TR>
<TR vAlign=bottom>

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

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

   <TD COLSPAN="10" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD>

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

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

<TR vAlign=bottom>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Jun 30</FONT></B></TD>

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Sept 30</FONT></B></TD>

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

   <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

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

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

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

   <TD 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: center"></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

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

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

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

   <TD STYLE="width: 85%; text-align: left"><B><FONT size=2 face=Arial>Interest income</FONT></B></TD>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,042</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,554</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,367</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,124</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>22,817</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>69,963</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>65,804</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>310</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>384</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>396</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>438</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>576</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,090</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,664</FONT></TD></TR>

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>63</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>53</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>103</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>334</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>663</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>218</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,288</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><FONT size=2 face=Arial>Total interest income</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,415</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,991</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>23,866</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>71,271</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>68,756</FONT></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,393</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,627</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,174</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,771</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,409</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,195</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>17,959</FONT></TD></TR>

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>385</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>590</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>594</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>492</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>368</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,569</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,161</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><FONT size=2 face=Arial>Total interest expense</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,778</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,217</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,768</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12,764</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>19,120</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>20,637</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>19,774</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>18,098</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>17,633</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>17,279</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>58,507</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>49,636</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,100</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,200</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,000</FONT></TD>

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>27,300</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,250</FONT></TD></TR>

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,537</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,574</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12,098</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,583</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>16,629</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>31,207</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>48,386</FONT></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,277</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,776</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,668</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,181</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,055</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>14,721</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,741</FONT></TD></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>211</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>197</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>262</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>260</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>271</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>670</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>802</FONT></TD></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>ATM and debit card income</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>465</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>394</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>398</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>441</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>464</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,258</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,287</FONT></TD></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>270</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>270</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>270</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>281</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>282</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>810</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>720</FONT></TD></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Gain on sale of securities, net</FONT></TD>

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>719</FONT></TD>

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

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

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

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

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

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Loss on extinguishment of debt</FONT></TD>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(37)</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(1,496)</FONT></TD>

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>(37)</FONT></TD>

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

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Net lender fees on PPP loan sale</FONT></TD>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,247</FONT></TD>

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,247</FONT></TD>

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

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

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>361</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>360</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>318</FONT></TD>

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>322</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,039</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>930</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,584</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,207</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,916</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,503</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,396</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>20,708</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,480</FONT></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8,894</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>8,450</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,871</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,175</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,668</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>25,216</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>21,850</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,602</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,498</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,536</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,429</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,416</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,635</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,099</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>673</FONT></TD>

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

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

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

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

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

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>673</FONT></TD>

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

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Outside service and data processing costs</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,225</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,228</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,192</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,109</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,073</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,646</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,078</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>377</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>298</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>320</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>70</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>145</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>995</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>743</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>568</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>527</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>497</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>447</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>399</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,591</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,252</FONT></TD></TR>

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

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

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>176</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>101</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>258</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>208</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>237</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>535</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>733</FONT></TD></TR>

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

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

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>668</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>542</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>698</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>535</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>546</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,907</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,745</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; padding-left: 15pt; text-align: left"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>14,183</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12,644</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12,372</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>10,973</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>11,484</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>39,198</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>33,500</FONT></TD></TR>

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>

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

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,938</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>6,137</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>3,642</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,113</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,541</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>12,717</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>26,366</FONT></TD></TR>

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

   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><B><FONT size=2 face=Arial>Income tax expense</FONT></B></TD>

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

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>721</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,459</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>810</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1,915</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,129</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,990</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>5,705</FONT></TD></TR>

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

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

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,217</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>4,678</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2,832</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,198</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,412</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9,727</FONT></TD>

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

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>20,661</FONT></TD></TR>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>

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

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.29</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.61</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.37</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.94</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.98</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.26</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2.75</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.28</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.60</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.36</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.92</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>0.95</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>1.24</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>2.66</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="text-align: left"><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,732</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,722</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,679</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,608</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,548</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,711</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: left"></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,501</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left"><FONT size=2 face=Arial>Diluted weighted average common shares</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"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,815</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,819</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,827</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,811</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,781</FONT></TD>

   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,820</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>7,760</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center; margin-top:0pt"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net income for the third quarter of 2020 was $2.2 million, or $0.28 per diluted share, a $2.5 million decrease from the second quarter of 2020 and a $5.2 million decrease from the third quarter of 2019. For the nine months ended September 30, 2020, net income was $9.7 million, a decrease of 52.9% over the nine months ended September 30, 2019.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income increased $863 thousand for the third quarter of 2020, compared with the second quarter of 2020, and increased $3.4 million, or 19.4%, compared to the third quarter of 2019, which primarily reflects a reduction in deposit costs over each prior period. Net interest income for the first nine months of 2020 increased 17.9% compared with the first nine months of 2019, reflecting an increase in loan balances and a reduction in deposit costs from the prior year.</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>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The provision for loan losses increased to $11.1 million for the third quarter of 2020, compared to $10.2 million for the second quarter and $650 thousand for the third quarter of 2019. The provision for loan losses totaled $27.3 million for the first nine months of 2020 compared to $1.25 million for the first nine months of 2019. The increased provision during the third quarter of 2020 was driven by qualitative adjustment factors related to the uncertain economic and business conditions at both the national and regional levels at September 30, 2020, such as the continued impact on the tourism and hospitality industries due to the pandemic, an increase in permanent job losses, and uncertainty in the political realm.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income totaled $7.6 million for the third quarter of 2020, a $1.6 million decrease from the second quarter of 2020, which was driven by net SBA lender fee income of $2.2 million received on PPP loans originated and then sold to a third party during the second quarter, partially offset by an increase in mortgage banking income. Noninterest income increased by $3.2 million from the third quarter of 2019 also due to an increase in mortgage banking income resulting from the continued favorable mortgage rate environment.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense for the third quarter of 2020 increased $1.5 million compared with the second quarter of 2020 and increased $2.7 million compared with the third quarter of 2019. The increases were due primarily to higher compensation and benefits expense related to mortgage banking, occupancy costs and other real estate owned expenses.</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our effective tax rate was 24.5% for the third quarter of 2020, 23.8% for the second quarter of 2020, and 22.3% for the third quarter of 2019. The higher tax rate this quarter relates to the favorable tax impact of stock option transactions in the prior periods.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=25 noWrap align=left><B><FONT size=2 face=Arial>NET INTEREST INCOME AND MARGIN - Unaudited</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD COLSPAN="25" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="width: 76%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></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"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the Three Months Ended</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September 30, 2020</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June 30, 2020</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September 30, 2019</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 76%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" 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>Yield/</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" 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>Yield/</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Average</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>Income/</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" 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>Yield/</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 76%; 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="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center">&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Expense</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>Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(3)</SUP></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 COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center">&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Expense</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>Rate<SUP>(3)</SUP></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 COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center">&nbsp;</TD>

   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Expense</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>Rate<SUP>(3)</SUP></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; text-align: left"><B><FONT size=1 face=Arial>Interest-earning assets</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></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=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=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=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Federal funds sold and interest-bearing deposits</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>162,092</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>63</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.15%</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>100,009</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>53</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.21%</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>111,169</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>663</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.37%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Investment securities, taxable</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77,365</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>261</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.34%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>68,669</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>339</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.99%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>83,183</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>538</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.57%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Investment securities, nontaxable<SUP>(2)</SUP></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,136</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>64</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.55%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,749</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.48%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,097</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.94%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,088,746</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,042</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.39%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,150,717</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,554</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.40%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,840,450</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>22,817</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.92%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Total interest-earning assets</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,335,339</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,430</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.99%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,326,144</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24,004</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.15%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,039,899</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24,069</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.68%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Noninterest-earning assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>104,065</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>107,054</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>109,395</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Total assets</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,439,404</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,433,198</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,149,294</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; text-align: left"><B><FONT size=1 face=Arial>Interest-bearing liabilities</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></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=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=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=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>NOW accounts</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>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>264,786</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>50</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>252,465</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>91</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.14%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>215,125</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>159</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.29%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Savings &amp; money market</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,021,850</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,176</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.46%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>975,539</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,069</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.85%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>899,407</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,106</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.81%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Time deposits</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>296,186</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,167</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.57%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>318,379</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,467</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.85%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>374,200</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,144</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.27%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Total interest-bearing deposits</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,582,822</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,393</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.60%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,546,383</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,627</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.94%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,488,732</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,409</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.71%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>FHLB advances and other borrowings</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>80,898</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>175</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.87%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,037</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>218</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.45%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,954</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>385</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.26%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,926</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>415</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.65%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,642</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>150</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.36%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Total interest-bearing liabilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,618,776</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,778</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.68%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,663,207</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,217</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.02%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,527,411</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,777</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.76%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 76%; text-align: left"><FONT size=1 face=Arial>Noninterest-bearing liabilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>601,896</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>555,746</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>428,444</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>218,732</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>214,245</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>193,439</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,439,404</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,433,198</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,149,294</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 76%; text-align: left"><FONT size=1 face=Arial>Net interest spread</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>3.31%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>3.13%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>2.92%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 76%; text-align: left"><FONT size=1 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,652</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.52%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,787</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.42%</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></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><FONT size=1 face=Arial>$</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,292</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.36%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 76%; text-align: left"><FONT size=1 face=Arial>Less: tax-equivalent adjustment<SUP>(2)</SUP></FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>15</FONT></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></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>13</FONT></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></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></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=1 face=Arial>13</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 76%; text-align: left"><FONT size=1 face=Arial>Net interest income</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 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=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>20,637</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 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: 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"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>19,774</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 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: 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"><FONT size=1 face=Arial>$</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>17,279</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>


<P style="TEXT-ALIGN: center; margin-top:0pt"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>



<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income was $20.6 million for the third quarter of 2020, an $863 thousand increase from the second quarter of 2020. Interest income, on a tax-equivalent basis, decreased by $574 thousand due primarily to lower average loan balances, while interest expense decreased by $1.4 million driven by lower deposit costs. In comparison to the third quarter of 2019, net interest income increased $3.4 million due to higher loan balances and lower deposit costs, partially offset by lower yields on interest-earning assets and a higher subordinated debt balance. Our net interest margin, on a tax-equivalent basis, was 3.52% for the third quarter of 2020, a 10-basis point increase from 3.42% for the second quarter of 2020 and a 16-basis point increase from 3.36% for the third quarter of 2019. Lower deposit costs offset the lower loan yield during the third quarter of 2020, having a positive impact on our net interest margin.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=12 noWrap align=left><B><FONT size=2 face=Arial>BALANCE SHEETS - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom">
   <TD COLSPAN="12" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD STYLE="width: 89%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ending Balance</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 89%; text-align: left"></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; text-align: left"><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="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><B><FONT size=2 face=Arial>Assets</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; 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=right></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><FONT size=2 face=Arial>Cash and due from banks</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>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>14,916</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>47,292</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>17,521</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>19,196</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>44,349</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>83,106</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>87,743</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,277</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></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,215</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Interest-bearing deposits with banks</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>64,893</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>103,371</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>83,314</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>19,364</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>70,959</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; width: 89%; 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>162,915</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>238,406</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>141,112</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"><FONT size=2 face=Arial>134,523</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Investment securities:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><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>87,991</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>70,997</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>70,507</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><FONT size=2 face=Arial>89,427</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Other investments</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,589</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,610</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>5,341</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>6,948</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>3,307</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; width: 89%; 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>90,580</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>73,607</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>75,848</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"></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></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Mortgage loans held for sale</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>63,823</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>44,169</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34,948</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27,046</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,630</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><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>2,078,540</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,036,801</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,030,261</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><FONT size=2 face=Arial>1,838,427</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Less allowance for loan losses</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(42,219)</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>(31,602)</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>(22,462)</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>(16,642)</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: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(15,848)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; width: 89%; 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>2,036,321</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"><FONT size=2 face=Arial>2,005,199</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,007,799</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"><FONT size=2 face=Arial>1,822,579</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Bank owned life insurance</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,821</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,551</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,281</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>40,011</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39,730</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><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>61,386</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>61,344</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>58,656</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><FONT size=2 face=Arial>54,846</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Deferred income taxes</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>6,510</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,017</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,087</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,275</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>8,970</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; 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>17,055</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>15,002</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>9,518</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>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"><FONT size=2 face=Arial>7,614</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Total assets</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>2,479,411</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,482,295</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,372,249</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,267,195</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>2,201,626</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><B><FONT size=2 face=Arial>Liabilities</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Deposits</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>2,181,056</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,188,643</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,025,698</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,876,124</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,899,295</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><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>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>65,000</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></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>25,000</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Subordinated debentures</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>35,971</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,944</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,917</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,890</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,887</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; 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>43,635</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>41,554</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>35,159</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"><FONT size=2 face=Arial>42,950</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Total liabilities</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,260,662</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,266,141</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,161,774</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,061,335</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,003,132</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><B><FONT size=2 face=Arial>Shareholders&#8217; equity</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Preferred stock - $.01 par value; 10,000,000 shares authorized</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>-</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Common Stock - $.01 par value; 10,000,000 shares authorized</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>77</FONT></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><FONT size=2 face=Arial>77</FONT></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><FONT size=2 face=Arial>76</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Nonvested restricted stock</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>(989)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,001)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,105)</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>(803)</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>(919)</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><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>108,337</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>108,031</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>107,529</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><FONT size=2 face=Arial>105,378</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Accumulated other comprehensive income (loss)</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>865</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>805</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>410</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(298)</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>424</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; 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>110,459</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>108,242</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>103,564</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"><FONT size=2 face=Arial>93,535</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Total shareholders&#8217; equity</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>218,749</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>216,154</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>210,475</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>205,860</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>198,494</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Total liabilities and shareholders&#8217; equity</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>2,479,411</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,482,295</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,372,249</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,267,195</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>2,201,626</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><B><FONT size=2 face=Arial>Common Stock</FONT></B></TD>

   <TD width="1%" noWrap align=left><B><FONT size=2 face=Arial></FONT></B></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="width: 89%; text-align: left"><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>28.27</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27.95</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27.27</FONT></TD>

   <TD width="1%" noWrap align=left></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><FONT size=2 face=Arial>26.05</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="width: 89%; text-align: left"><FONT size=2 face=Arial>Stock price:</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><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>27.96</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>30.49</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>42.72</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></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41.69</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><FONT size=2 face=Arial>Low</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>23.30</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24.21</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21.64</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>37.94</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>36.27</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="padding-left: 15pt; width: 89%; text-align: left"><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>24.15</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>27.71</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>28.37</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></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>39.85</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 89%; text-align: left"><FONT size=2 face=Arial>Common shares outstanding</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>7,738</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>7,735</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>7,718</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>7,673</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>7,619</FONT></TD></TR></TABLE>


<P style="TEXT-ALIGN: center; margin-top:0pt"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</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>
<!-- Part 03 -->


<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="12" STYLE="width: 100%; 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></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></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=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Nonperforming Assets</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" 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></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></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="width: 89%; 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=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,059</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,428</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,268</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>188</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,963</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</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>143</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Commercial business</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>201</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>229</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>231</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>235</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>198</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></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>2,518</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,324</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,821</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,829</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,637</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</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>632</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>360</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>427</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>431</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>467</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</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=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Other</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=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><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>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>4,198</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>4,669</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>4,186</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>4,111</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>2,763</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Total nonaccrual loans</FONT></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>8,751</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,010</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,933</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,794</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,028</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,684</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>-</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>-</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>-</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>-</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total nonperforming assets</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: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>10,435</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>9,010</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>9,933</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>6,794</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>7,028</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total assets</FONT></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>0.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.36%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.30%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.32%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Total loans</FONT></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>0.50%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.44%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.49%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.35%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.38%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Accruing troubled debt restructurings (TDRs)</FONT></TD>
   <TD width="1%" noWrap align=right><I></I></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,277</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,332</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,939</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,219</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,791</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Classified assets/tier 1 capital plus allowance for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7.00%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7.51%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7.99%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7.93%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7.43%</FONT></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="10" STYLE="width: 10%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></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=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Allowance for Loan Losses</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Balance, beginning of period</FONT></TD>
   <TD width="1%" noWrap align=right></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>31,602</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,462</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,642</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,848</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,144</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Loans charged-off</FONT></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>(1,064)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,083)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(266)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(275)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(963)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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"></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>581</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>23</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>86</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>19</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>17</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Net loans charged-off</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>(483)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,060)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(180)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(256)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(946)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>11,100</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>10,200</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>6,000</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>1,050</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>650</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Balance, end of period</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: 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>42,219</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>31,602</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>22,462</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: 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>15,848</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Allowance for loan losses to gross loans</FONT></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>2.03 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.55 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.11 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.86 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.86 %</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></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>482.43 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>350.74 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>226.14 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>244.95 %</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>225.50 %</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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: 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: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.09 %</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; 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>0.20 %</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>0.04 %</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></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: right; 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>0.21 %</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total nonperforming assets increased by $1.4 million to $10.4 million for the third quarter of 2020, representing 0.42% of total assets, compared to the second quarter of 2020, an increase of six basis points. The increase in nonperforming assets was primarily a result of $4.3 million of loans added to nonaccrual during the third quarter of 2020, of which $3.2 million related to three client relationships. In addition, $2.0 million of nonaccrual loans paid off and $2.2 million of loans were transferred to other real estate owned during the third quarter of 2020. The allowance for loan losses as a percentage of nonaccrual loans was 482.43% at September 30, 2020, compared to 350.74% at June 30, 2020 and 225.50% at September 30, 2019.</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"><FONT size=2 face=Arial>At September 30, 2020, the allowance for loan losses was $42.2 million, or 2.03% of total loans, compared to $31.6 million, or 1.55% of total loans, at June 30, 2020 and $15.8 million, or 0.86% of total loans, at September 30, 2019. Net charge-offs were $483 thousand, or 0.09% on an annualized basis, for the third quarter of 2020 compared to $1.1 million, or 0.20% of net charge-offs, annualized, for the second quarter of 2020. Net charge-offs were $946,000 for the third quarter of 2019. The provision for loan losses was $11.1 million for the third quarter of 2020 compared to $10.2 million for the second quarter of 2020 and $650 thousand for the third quarter of 2019. The increased provision during the three and nine months ended September 30, 2020 was driven by qualitative adjustment factors related to the uncertain economic and business conditions at both the national and regional levels at September 30, 2020, such as continued impact on the tourism and hospitality industries due to the pandemic, an increase in permanent job losses, and uncertainty in the political realm.</FONT></P>
<TABLE style="LINE-HEIGHT: 13pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="12" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>LOAN COMPOSITION - Unaudited</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="10" STYLE="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></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=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" 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></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="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>419,316</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>420,858</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>422,124</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>407,851</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>392,896</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; 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=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>570,139</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>554,566</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>534,846</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>501,878</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>481,865</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></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>64,063</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>71,761</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>74,758</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=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>75,710</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Business</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: 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>303,760</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>310,212</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>317,702</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>308,123</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>290,154</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total commercial loans</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: 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>1,357,278</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>1,357,397</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>1,349,430</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: 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>1,240,625</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><B><FONT size=2 face=Arial>Consumer</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Real estate</FONT></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>496,684</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>437,742</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>427,697</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=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>346,512</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Home equity</FONT></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>161,795</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>173,739</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>183,099</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>179,738</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>174,611</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Construction</FONT></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>39,355</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>45,629</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>45,240</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=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>49,548</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other</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: 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>23,428</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>22,294</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>24,795</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>25,733</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>27,131</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total consumer loans</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: 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>721,262</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>679,404</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>680,831</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: 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>597,802</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=2 face=Arial>Total gross loans, net of deferred fees</FONT></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>2,078,540</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,036,801</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,943,525</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,838,427</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Less&#8212;allowance for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>(42,219)</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>(31,602)</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>(22,462)</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: 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>(15,848)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total loans, net</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><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>2,036,321</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,005,199</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,007,799</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,926,883</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,822,579</FONT></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD COLSPAN="12" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION - Unaudited</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="10" STYLE="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left></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=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; 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"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Non-interest bearing</FONT></TD>
   <TD width="1%" noWrap align=right></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>575,195</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>573,548</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>437,855</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>397,331</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>414,704</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=2 face=Arial>Interest bearing:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>NOW accounts</FONT></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>284,490</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>285,953</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>260,320</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>228,680</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>230,676</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Money market accounts</FONT></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>1,025,518</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,006,233</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>979,861</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=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>891,784</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Savings</FONT></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>23,837</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,675</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,563</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16,258</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>15,912</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=2 face=Arial>Time, less than $100,000</FONT></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>38,510</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>41,610</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>43,596</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=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>55,501</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Time and out-of-market deposits, $100,000 and over</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>233,506</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>258,624</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>284,503</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>286,991</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>290,718</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total deposits</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,181,056</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,188,643</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>2,025,698</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,876,124</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>1,899,295</FONT></TD></TR></TABLE>

<P STYLE="margin-bottom: 0pt; text-align: justify"><B><FONT size=2 face=Arial>Footnotes to tables:</FONT></B></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(1) Total revenue is the sum of net interest income and noninterest income.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(2) The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(3) Annualized for the respective three-month period.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(4) Noninterest expense divided by the sum of net interest income and noninterest income.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(5) Excludes mortgage loans held for sale.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(6) Excludes out of market deposits and time deposits greater than $250,000.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(7) September 30, 2020 ratios are preliminary.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(8) The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; MARGIN-TOP: 0pt; TEXT-ALIGN: justify"><FONT size=2 face=Arial>(9) The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.</FONT></P>
<P STYLE="margin-top: 0pt; text-align: justify"><FONT size=2 face=Arial>(10) Includes mortgage loans held for sale.</FONT></P>
<P STYLE="margin-bottom: 0pt; text-align: justify"><B><FONT size=2 face=Arial>ABOUT SOUTHERN FIRST BANCSHARES</FONT></B></P>
<P STYLE="margin-top: 0pt; text-align: justify"><FONT size=2 face=Arial>Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated under the laws of South Carolina. The company&#8217;s wholly-owned subsidiary, Southern First Bank, is the largest bank headquartered in South Carolina. Southern First Bank has been providing financial services since 1999 and now operates in 11 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First Bancshares has consolidated assets of approximately $2.5 billion and its common stock is traded on the NASDAQ Global Market under the symbol &#8220;SFST.&#8221; More information can be found at </FONT><U><FONT size=2 face=Arial>www.southernfirst.com</FONT></U><FONT size=2 face=Arial>.</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>7</FONT></P>
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<P STYLE="margin-bottom: 0pt; text-align: justify"><B><FONT size=2 face=Arial>FORWARD-LOOKING STATEMENTS</FONT></B></P>
<P STYLE="margin-top: 0pt; text-align: justify"><FONT size=2 face=Arial>Certain statements in this news release contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans and expectations, and are thus prospective. Such forward-looking statements are identified by words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;target,&#8221; and &#8220;project,&#8221; as well as similar expressions. Such statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Although we believe that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate. Therefore, we can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking information should not be construed as a representation by our company or any person that the future events, plans, or expectations contemplated by our company will be achieved.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: (1) competitive pressures among depository and other financial institutions may increase significantly and have an effect on pricing, spending, third-party relationships and revenues; (2) the strength of the United States economy in general and the strength of the local economies in which the company conducts operations may be different than expected, including, but not limited to, due to the negative impacts and disruptions resulting from the novel coronavirus, or COVID-19, on the economies and communities the company serves, which may have an adverse impact on the company&#8217;s business, operations and performance, and could have a negative impact on the company&#8217;s credit portfolio, share price, borrowers, and on the economy as a whole, both domestically and globally; (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 legislation, regulation, policies, or administrative practices, whether by judicial, governmental, or legislative action, including, but not limited to, the Coronavirus Aid, Relief, and Economic Security Act, or the &#8220;CARES Act&#8221;; (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; (6) changes in interest rates, which may affect the company&#8217;s net income, prepayment penalty income, mortgage banking income, and other future cash flows, or the market value of the company&#8217;s assets, including its investment securities; and (7) changes in accounting principles, policies, practices, or guidelines. Additional factors that could cause our results to differ materially from those described in the forward-looking statements can be found in our reports (such as Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the SEC and available at the SEC&#8217;s Internet site (http://www.sec.gov). All subsequent written and oral forward-looking statements concerning the company or any person acting on its behalf is expressly qualified in its entirety by the cautionary statements above. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made, except as required by law.</FONT></P>
<TABLE style="LINE-HEIGHT: 3pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

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   <TD style="BORDER-BOTTOM: #000000 3pt dotted" vAlign=top width="100%">&nbsp;</TD></TR></TABLE>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>FINANCIAL CONTACT: MIKE DOWLING 864-679-9070</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>MEDIA CONTACT: ART SEAVER 864-679-9010</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>WEB SITE: </FONT><U><FONT size=2 face=Arial>www.southernfirst.com</FONT></U></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>8</FONT></P>
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<TYPE>EX-101.LAB
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<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>sfb35772728-8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="sfst-20201027.xsd" xlink:type="simple"/>
    <context id="From2020-10-26to2020-10-27">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001090009</identifier>
        </entity>
        <period>
            <startDate>2020-10-26</startDate>
            <endDate>2020-10-27</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
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    <unit id="Shares">
        <measure>shares</measure>
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    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2020-10-26to2020-10-27">0001090009</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2020-10-26to2020-10-27">false</dei:AmendmentFlag>
    <dei:DocumentType contextRef="From2020-10-26to2020-10-27">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2020-10-26to2020-10-27">2020-10-27</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2020-10-26to2020-10-27">Southern First Bancshares, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2020-10-26to2020-10-27">SC</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2020-10-26to2020-10-27">000-27719</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2020-10-26to2020-10-27">58-2459561</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2020-10-26to2020-10-27">100 Verdae Boulevard</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2 contextRef="From2020-10-26to2020-10-27">Suite 100</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown contextRef="From2020-10-26to2020-10-27">Greenville</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2020-10-26to2020-10-27">SC</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2020-10-26to2020-10-27">29607</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2020-10-26to2020-10-27">864</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2020-10-26to2020-10-27">679-9000</dei:LocalPhoneNumber>
    <dei:EntityInformationFormerLegalOrRegisteredName contextRef="From2020-10-26to2020-10-27">Not Applicable</dei:EntityInformationFormerLegalOrRegisteredName>
    <dei:WrittenCommunications contextRef="From2020-10-26to2020-10-27">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2020-10-26to2020-10-27">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2020-10-26to2020-10-27">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2020-10-26to2020-10-27">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2020-10-26to2020-10-27">Common Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2020-10-26to2020-10-27">SFST</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2020-10-26to2020-10-27">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2020-10-26to2020-10-27">false</dei:EntityEmergingGrowthCompany>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139754849009576">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Oct. 27, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 27,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-27719<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Southern First Bancshares, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001090009<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">58-2459561<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">SC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">100 Verdae Boulevard<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Greenville<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">SC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">29607<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">864<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">679-9000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">SFST<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityInformationFormerLegalOrRegisteredName', window );">Entity Information, Former Legal or Registered Name</a></td>
<td class="text">Not Applicable<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInformationFormerLegalOrRegisteredName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Former Legal or Registered Name of an entity</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInformationFormerLegalOrRegisteredName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
