<SEC-DOCUMENT>0001206774-21-000207.txt : 20210126
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<ACCEPTANCE-DATETIME>20210126090013
ACCESSION NUMBER:		0001206774-21-000207
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20210126
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210126
DATE AS OF CHANGE:		20210126

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:		21551831

	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_907_edei--DocumentType_c20210125__20210126_zGw3jEi6DLef"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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_90E_edei--DocumentPeriodEndDate_c20210125__20210126_zMGyEXcOYVS8"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">January 26, 2021</ix:nonNumeric></span>&#160;&#160;</span></span></p>

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<tr>

   <td style="width: 99%; text-align: center">&#160;</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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<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_901_edei--WrittenCommunications_c20210125__20210126_zXXvvRGzV83d"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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_90B_edei--SolicitingMaterial_c20210125__20210126_zicPTrDHDtw9"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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_90B_edei--PreCommencementTenderOffer_c20210125__20210126_zVEDLa87NoMg"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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_90B_edei--PreCommencementIssuerTenderOffer_c20210125__20210126_z1oqdxVUqdA"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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>

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   <td style="width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_90D_edei--Security12bTitle_c20210125__20210126_zdSVLRofxgSb"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" name="dei:Security12bTitle">Common Stock</ix:nonNumeric></span></span></td>

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   <td style="width: 32%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial"><span id="xdx_905_edei--TradingSymbol_c20210125__20210126_zLEq0Ijucjch"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" name="dei:TradingSymbol">SFST</ix:nonNumeric></span></span></td>

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   <td style="width: 33%; white-space: nowrap; text-align: center"><span style="font-size: 10pt; font-family: Arial">The <span id="xdx_90F_edei--SecurityExchangeName_c20210125__20210126_zzZ283pFT7k9"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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&#160;by&#160;check&#160;mark&#160;whether&#160;the&#160;registrant&#160;is&#160;an&#160;emerging&#160;growth&#160;company&#160;as&#160;defined&#160;in&#160;Rule&#160;405&#160;of&#160;the&#160;
Securities&#160;Act&#160;of&#160;1933&#160;(&#167;230.405&#160;of&#160;this&#160;chapter)&#160;or&#160;Rule&#160;12b-2&#160;of&#160;the&#160;Securities&#160;Exchange&#160;Act&#160;of&#160;1934&#160;(&#167;240.12b-2&#160;
of&#160;this&#160;chapter).&#160;&#160;</span></p>

<p style="text-align: right"><span style="font-size: 10pt; font-family: Arial">Emerging growth company <span id="xdx_904_edei--EntityEmergingGrowthCompany_c20210125__20210126_zPrwXtC1sc3b"><ix:nonNumeric contextRef="From2021-01-25to2021-01-26" 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 January 26, 2021, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a
press release announcing its financial results for the period ended December 31, 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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   <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; padding-bottom: 1pt">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%; text-align: left"><span style="border-bottom: black 1pt solid; font: 10pt Arial; padding-bottom: 1pt">Description</span></td></tr>

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

   <td style="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><a href="sfb3860931-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; background-color: Silver"><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; background-color: Silver"><a href="sfb3860931-ex991.htm" style="-sec-extract: exhibit"><span style="font-size: 10pt; font-family: Arial">Earnings Press Release for period ended December 31, 2020.</span></a></td></tr>

<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">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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<div style="page-break-before: always"></div>



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

   <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; padding-bottom: 1pt">/s/ Michael D. Dowling</span></td></tr>

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

   <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">January 26, 2021</span></p>

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


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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb3860931-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR PERIOD ENDED DECEMBER 31, 2020.
<TEXT>

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<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>
<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

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   <TD width="20%" noWrap align=left>
   <IMG border=0 src="sfb3860931-ex9911x1x1.jpg"></TD>
   <TD width="60%" noWrap align=center><B><FONT size=4 face=Arial>Southern First Reports 2020 Financial Results</FONT></B></TD>
   <TD width="20%" noWrap align=center></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, January 26, 2021</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 three-month period and year ended December 31, 2020.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;While 2020 was a year of unprecedented challenges, I am incredibly proud of our team as they embraced our mission of &#8216;impacting lives&#8217; in this pandemic environment,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer. &#8220;We continue to add talented bankers as we expand our footprint, and we are excited to announce our first team in the Charlotte, North Carolina market.&#8221;</FONT></P>
<P STYLE="margin-bottom: 2pt; text-align: justify"><B><U><FONT size=2 face=Arial>2020 Fourth Quarter Highlights</FONT></U></B> </P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Net income of $8.6 million, compared to $7.2 million for Q4 2019</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Diluted earnings per common share of $1.10 per share, compared to $0.92 for Q4 2019</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Net interest margin of 3.55%, compared to 3.41% for Q4 2019</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Loan loss provision of $2.3 million, compared to $1.1 million for Q4 2019</FONT></B></P></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD width="99%">
   <P align=justify><B><FONT size=2 face=Arial>Announced expansion into Charlotte, North Carolina market</FONT></B></P></TD></TR></TABLE>
<P STYLE="margin-bottom: 2pt; text-align: justify"><B><U><FONT size=2 face=Arial>COVID-19 Update</FONT></U></B></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>96% of loan modifications, or $570.8 million, have returned to original payment status</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>Monitoring loans within two targeted industries which represent $128.8 million, or 6%, of total loans</FONT></B></TD></TR></TABLE>
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<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid"></TD>
   <TD COLSPAN="10" STYLE="border-bottom: Black 1pt solid; width: 10%; white-space: nowrap; text-align: center; border-top: Black 1.5pt 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>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center><B></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center><B></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center><B></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center><B></B></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 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;&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;&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;&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;&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;&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 STYLE="width: 89%; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial>Earnings </FONT></B><FONT size=1 face=Arial>($ in thousands, except per share data)</FONT><B><FONT size=1 face=Arial>:</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Net income available to common shareholders</FONT></TD>
   <TD width="1%" noWrap align=left></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>8,601</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,217</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,678</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,832</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,198</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Earnings per common share, diluted</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.10</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.28</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.60</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.36</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.92</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,947</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28,221</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28,981</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,014</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,136</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.55%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.52%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.41%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.38%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.36%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.77%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.51%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.32%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.51%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.03%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8.78%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.18%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>52.04%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>50.26%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>43.63%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>56.20%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51.92%</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=1 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"></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=1 face=Arial>2.36%</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>2.34%</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>2.09%</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>2.23%</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=1 face=Arial>2.01%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><B><FONT size=1 face=Arial>Balance Sheet </FONT></B><FONT size=1 face=Arial>($ in thousands)</FONT><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=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Total loans<SUP>(5)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,142,867</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,078,540</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,036,801</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Total deposits</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,142,758</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,181,056</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,188,643</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,025,698</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,011,903</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,011,919</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,991,005</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,804,027</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,656,005</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Total assets</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,482,587</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,479,411</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,482,295</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,372,249</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,267,195</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=1 face=Arial>Loans to deposits</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=1 face=Arial>100.01%</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>95.30%</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>93.06%</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>100.23%</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=1 face=Arial>103.59%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><B><FONT size=1 face=Arial>Holding Company Capital Ratios</FONT></B><B><FONT size=1 face=Arial><SUP>(7)</SUP></FONT></B><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=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Total risk-based capital ratio</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.40%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.15%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.76%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.59%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.73%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.99%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.73%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.37%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.29%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.63%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Leverage ratio</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.70%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.47%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.38%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.00%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.10%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.34%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.07%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.72%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.63%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.94%</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=1 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"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9.20%</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>8.82%</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>8.71%</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>8.87%</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>9.08%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><B><FONT size=1 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=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Nonperforming assets/ total assets</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.37%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.36%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.42%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Classified assets/tier one capital plus allowance for loan losses</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8.18%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7.00%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7.51%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7.99%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7.93%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Loans 30 days or more past due</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.17%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.26%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.40%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.60%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.23%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Net charge-offs/average loans<SUP>(5)</SUP> (YTD annualized)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.10%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.11%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.12%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.04%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" noWrap align=left><FONT size=1 face=Arial>Allowance for loan losses/loans<SUP>(5)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.06%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.03%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.55%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.11%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Allowance for loan losses/nonaccrual loans</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>547.14%</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=1 face=Arial>482.43%</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=1 face=Arial>350.74%</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=1 face=Arial>226.14%</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=1 face=Arial>244.95%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" colSpan=12 noWrap align=center><FONT size=1 face=Arial>[Footnotes to table located on page 7]</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="margin-bottom: 0pt; text-align: justify"><B><FONT size=2 face=Arial>COVID-19 IMPACT</FONT></B></P>
<P STYLE="margin-top: 0pt; text-align: justify"><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.</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 December 31, 2020, substantially all of these loans have reached the end of their deferral period and have begun to resume normal payments.</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 two industries considered to be at higher risk for credit loss. The table below identifies the outstanding and committed loan balances for each of these industries. Of the $128.8 million of loans modified in these industries as of December 31, 2020, 95% have begun to resume normal payments.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="22" STYLE="width: 100%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="79%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD COLSPAN="18" STYLE="width: 18%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2020</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="79%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>% Past</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="79%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>% of Total</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Total</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>%</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Due 30</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="79%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>#</FONT></B></TD>
   <TD width="1%" noWrap align=right></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></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Loans</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Modified</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>%</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Deferral</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Deferral</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Days or</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>% on</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 79%; 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: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Loans</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Outstanding</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Outstanding</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Modified</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Complete</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Complete</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>More</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Nonaccrual</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="79%" noWrap align=left><FONT size=2 face=Arial>Hotels</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>24</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>115,620</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.4%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>61,643</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>53.3%</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><FONT size=2 face=Arial>53,643</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>87.0%</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: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Restaurants</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>56</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>13,184</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>0.6%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,291</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>40.1%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,116</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>96.7%</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="padding-left: 15pt; width: 79%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Total</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>80</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>128,804</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>6.0%</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>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>66,934</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>52.0%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>85,759</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>87.8%</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>-%</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>-%</FONT></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>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>INCOME STATEMENTS &#8211; Unaudited</FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="16" STYLE="width: 100%; text-align: left; border-top: Black 1.5pt solid">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD COLSPAN="10" STYLE="width: 8%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD COLSPAN="3" STYLE="width: 5%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Twelve Months Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=right></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>Dec 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Sept 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Jun 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Mar 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Dec 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: 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>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">&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;&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="85%" noWrap align=left><B><FONT size=2 face=Arial>Interest income</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Loans</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,171</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,042</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,554</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,367</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,124</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;<FONT size=2 face=Arial>93,133</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;88,928</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Investment securities</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>325</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>310</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>384</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>396</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>438</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,415</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,102</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Federal funds sold</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>51</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>63</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>53</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>103</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>334</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>270</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>1,622</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total interest income</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>23,547</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>23,415</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>23,991</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>23,866</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>23,896</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>94,818</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>92,652</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Interest expense</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Deposits</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,861</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,393</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,627</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,174</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,771</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,055</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,730</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Borrowings</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>383</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>385</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>590</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>594</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>492</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,953</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>1,653</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total interest expense</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,244</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>2,778</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>4,217</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>5,768</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>6,263</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>15,008</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>25,383</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Net interest income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>21,303</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>20,637</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,774</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>18,098</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>17,633</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>79,810</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>67,269</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Provision for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>2,300</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>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"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>29,600</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>2,300</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Net interest income after provision for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>19,003</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>9,537</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>9,574</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>12,098</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>16,583</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>50,210</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>64,969</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Noninterest income</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Mortgage banking income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,064</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,277</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,776</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,668</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,181</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>19,785</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,923</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Service fees on deposit accounts</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>190</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>211</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>197</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>262</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>260</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>860</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,061</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>ATM and debit card income</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="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>465</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>394</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>398</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>441</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,741</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,728</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Income from bank owned life insurance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>281</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>270</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>270</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>270</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>281</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,091</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,001</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Gain on sale of securities, net</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></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></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=2 face=Arial>719</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></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>727</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Loss on extinguishment of debt</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></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=2 face=Arial>(37)</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></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,496)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(37)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(1,496)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Net lender fees on PPP loan sale</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></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=2 face=Arial>2,247</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></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=2 face=Arial>2,247</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Other income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>626</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>361</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>360</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>318</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>1,117</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>1,666</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>2,039</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total noninterest income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>6,644</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>7,584</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>9,207</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>3,916</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>3,503</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>27,353</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>14,983</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><B><FONT size=2 face=Arial>Noninterest expense</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Compensation and benefits</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>6,836</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,666</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,394</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,390</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,762</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>26,287</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,826</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Mortgage production costs</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,057</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,666</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,368</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,807</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,719</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,898</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,436</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Occupancy</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,596</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,601</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,496</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,533</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,425</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,226</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5,513</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Other real estate owned expenses</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>550</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>673</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></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=2 face=Arial>(22)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,223</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>(26)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Outside service and data processing costs</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,052</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,046</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,055</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,070</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,002</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,223</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,782</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Insurance</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>385</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>377</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>298</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>320</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>70</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,380</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>813</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Professional fees</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>501</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>395</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>475</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>400</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>366</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,771</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,327</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Marketing</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>146</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>165</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>86</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>230</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>168</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>628</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>791</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; 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: 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>421</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>594</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>472</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>622</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>483</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,108</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>2,011</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>Total noninterest expenses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></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>14,544</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>14,183</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>12,644</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>12,372</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>10,973</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>53,744</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>44,473</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Income before provision for income taxes</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>11,103</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2,938</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,137</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,642</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9,113</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>23,819</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>35,479</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=2 face=Arial>Income tax expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>2,502</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>721</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>1,459</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>810</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>1,915</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=2 face=Arial>5,491</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>7,621</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>Net income available to common shareholders</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><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>8,601</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>2,217</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>4,678</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>2,832</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>7,198</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>18,328</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>27,858</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left>&nbsp;</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></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.11</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.29</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.61</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.37</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.94</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.37</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.70</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.10</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.28</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.60</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>0.92</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.34</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.58</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="85%" noWrap align=left><FONT size=2 face=Arial>Basic weighted average common shares</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,741</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,732</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,722</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,679</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,608</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,719</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7,528</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 85%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>Diluted weighted average common shares</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"><FONT size=2 face=Arial>7,836</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>7,815</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>7,819</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>7,827</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>7,811</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=2 face=Arial>7,824</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>7,773</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" colSpan=16 align=center><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net income for the fourth quarter of 2020 was $8.6 million, or $1.10 per diluted share, a $6.4 million increase from the third quarter of 2020 and a $1.4 million increase from the fourth quarter of 2019. For the year ended December 31, 2020, net income was $18.3 million, a decrease of 34.2% over the year ended December 31, 2019, driven primarily by the increase in provision for loan losses.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income increased $666 thousand for the fourth quarter of 2020, compared with the third quarter of 2020, and increased $3.7 million, or 20.8%, compared to the fourth quarter of 2019, which primarily reflects a reduction in deposit costs over each prior period. Net interest income for the year ended December, 31 2020 increased 18.6% compared with the year ended December, 31 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 decreased to $2.3 million for the fourth quarter of 2020, compared to $11.1 million for the third quarter and $1.1 million for the fourth quarter of 2019. The provision for loan losses totaled $29.6 million for the year ended December, 31 2020 compared to $2.3 million for the year ended December 31, 2019. The increased provision for the year ended December 31, 2020 was driven by qualitative adjustment factors related to the uncertain economic and business conditions at both the national and regional levels that remain at December 31, 2020. Factors 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 have driven this increase.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income totaled $6.6 million for the fourth quarter of 2020, a $940 thousand decrease from the third quarter of 2020 and a $3.1 million increase from the fourth quarter of 2019. As the largest component of our noninterest income, mortgage banking income was the driving factor in the change in noninterest income from the prior quarter and the prior year.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense for the fourth quarter of 2020 increased $361 thousand compared with the third quarter of 2020 and increased $3.6 million compared with the fourth quarter of 2019. The increases were due primarily to higher compensation and benefits expense, mortgage production costs and other real estate owned expenses.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our effective tax rate was 22.5% for the fourth quarter of 2020, 24.5% for the third quarter of 2020, and 21.0% for the fourth quarter of 2019. The lower tax rate this quarter relates to the favorable tax impact of stock option transactions during the quarter.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="25" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=1 face=Arial>NET INTEREST INCOME AND MARGIN - Unaudited</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" colSpan=25 noWrap align=left>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD COLSPAN="23" STYLE="width: 23%; 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%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; 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>September 30, 2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; 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>December 31, 2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="76%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; 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: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(3)</SUP></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid">&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B> </TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="76%" noWrap align=left><B><FONT size=1 face=Arial>Interest-earning assets</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Federal funds sold and interest-bearing deposits</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>112,473</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.18%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>162,092</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>63</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.15%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>72,563</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>334</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.83%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, taxable</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>83,260</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>273</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.30%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.34%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>69,712</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>417</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.37%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, nontaxable<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,311</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>68</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.89%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.55%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,249</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.33%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,182,619</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,171</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.22%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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"></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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.39%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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>1,908,067</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,124</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.81%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-earning assets</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,387,663</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,563</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.93%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.99%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,053,591</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,902</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.62%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Noninterest-earning 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: 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>90,519</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 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>115,686</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total assets</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=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,478,182</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,169,277</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="76%" noWrap align=left><B><FONT size=1 face=Arial>Interest-bearing liabilities</FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>NOW accounts</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>276,780</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.06%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>264,786</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>50</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>221,248</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>169</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Savings &amp; money market</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,058,573</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>903</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.34%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.46%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>927,734</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,799</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.62%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Time deposits</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>260,579</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>916</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.40%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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"></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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1.57%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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>326,615</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,803</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2.19%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing deposits</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,595,932</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,861</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.46%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.60%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,475,597</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,771</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.55%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>FHLB advances and other borrowings</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>272</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></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></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></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,420</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>46</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.78%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,981</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>383</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.23%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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"></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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.26%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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>35,896</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>446</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.93%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing liabilities</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,632,185</FONT></TD>
   <TD width="1%" noWrap align=right></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>2,244</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.55%</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.68%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,517,913</FONT></TD>
   <TD width="1%" noWrap align=right></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>6,263</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.64%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Noninterest-bearing liabilities</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>625,422</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></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></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>450,025</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>220,575</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 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>201,339</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 76%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,478,182</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</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 STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 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>2,169,277</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"></TD></TR>
<TR vAlign=bottom>
   <TD width="76%" noWrap align=left><FONT size=1 face=Arial>Net interest spread</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.38%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.31%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.98%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="76%" align=left><FONT size=1 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></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>21,319</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.55%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,652</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.52%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,639</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.41%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="76%" noWrap align=left><FONT size=1 face=Arial>Less: tax-equivalent adjustment<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></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>16</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></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></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></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</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 76%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Net interest income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>21,303</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</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"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 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=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>17,633</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" colSpan=25 align=center><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

<!-- PART 02 -->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income was $21.3 million for the fourth quarter of 2020, a $666 thousand increase from the third quarter of 2020.  In addition, interest income, on a tax-equivalent basis, increased by $133 thousand due primarily to higher average loan balances, while interest expense decreased by $534 thousand driven by lower deposit costs. In comparison to the fourth quarter of 2019, net interest income increased $3.7 million due to higher loan balances and lower deposit costs, partially offset by lower yields on interest-earning assets.  Our net interest margin, on a tax-equivalent basis, was 3.55% for the fourth quarter of 2020, a 3-basis point increase from 3.52% for the third quarter of 2020 and a 14-basis point increase from 3.41% for the fourth quarter of 2019.  Growth in earning assets combined with lower deposit costs offset the lower loan yield during the fourth 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 COLSPAN="11" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=1 face=Arial>BALANCE SHEETS - Unaudited</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="90%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="9" STYLE="width: 9%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Ending
   Balance</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in
   thousands, except per share data)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31<BR>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September 30<BR>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June 30<BR>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March 31<BR>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31<BR>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><B><FONT size=1 face=Arial>Assets</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Cash and cash equivalents:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Cash and due from banks</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12,920</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>14,916</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>47,292</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>17,521</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>19,196</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Federal funds sold</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>66,023</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>83,106</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>87,743</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,277</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>89,256</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Interest-bearing deposits with banks</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=1 face=Arial>21,744</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>64,893</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>103,371</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>83,314</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>19,364</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total
   cash and cash equivalents</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=1 face=Arial>100,687</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>162,915</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>238,406</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>141,112</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>127,816</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Investment securities:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment
   securities available for sale</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>94,729</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>87,991</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70,997</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70,507</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>67,694</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other
   investments</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=1 face=Arial>3,635</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>2,589</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>2,610</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>5,341</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>6,948</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total
   investment securities</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=1 face=Arial>98,364</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>90,580</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>73,607</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>75,848</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>74,642</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Mortgage loans held for sale</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>60,257</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>63,823</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>44,169</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>34,948</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,046</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Loans<SUP>(5)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,142,867</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,078,540</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,036,801</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Less
   allowance for loan losses</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=1 face=Arial>(44,149)</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>(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=1 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=1 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=1 face=Arial>(16,642)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Loans,net</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=1 face=Arial>2,098,718</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>2,036,321</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>2,005,199</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>2,007,799</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>1,926,883</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Bank owned life insurance</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>41,102</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,821</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,551</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,281</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,011</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Property and equipment, net</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>60,236</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,386</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,344</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58,656</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58,478</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Deferred income taxes</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,518</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,510</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,017</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,087</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,275</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other assets</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=1 face=Arial>13,705</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>17,055</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>15,002</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>9,518</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>8,044</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1.5pt solid"><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>2,482,587</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=1 face=Arial>2,479,411</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=1 face=Arial>2,482,295</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=1 face=Arial>2,372,249</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=1 face=Arial>2,267,195</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><B><FONT size=1 face=Arial>Liabilities</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Deposits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,142,758</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,181,056</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,188,643</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,025,698</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Federal Home Loan Bank advances</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,000</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></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>65,000</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>110,000</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,998</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,971</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,944</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,917</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,890</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other
   liabilities</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=1 face=Arial>50,537</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>43,635</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>41,554</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>35,159</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>39,321</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Total
   liabilities</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=1 face=Arial>2,254,293</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=1 face=Arial>2,260,662</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=1 face=Arial>2,266,141</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=1 face=Arial>2,161,774</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=1 face=Arial>2,061,335</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><B><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Preferred stock - $.01 par value;10,000,000 shares authorized</FONT></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></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></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></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Common Stock - $.01 par value;10,000,000 shares authorized</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>78</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Nonvested restricted stock</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(698)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(989)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,001)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,105)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(803)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Additional paid-in capital</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>108,831</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>108,337</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>108,031</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>107,529</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>106,152</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Accumulated other comprehensive income (loss)</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,023</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>865</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>805</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>410</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(298)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Retained
   earnings</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=1 face=Arial>119,060</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>110,459</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>108,242</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>103,564</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>100,732</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Total
   shareholders&#8217; equity</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=1 face=Arial>228,294</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=1 face=Arial>218,749</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=1 face=Arial>216,154</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=1 face=Arial>210,475</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=1 face=Arial>205,860</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; width: 90%; text-align: left; border-bottom: Black 1.5pt solid"><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>2,482,587</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=1 face=Arial>2,479,411</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=1 face=Arial>2,482,295</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=1 face=Arial>2,372,249</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=1 face=Arial>2,267,195</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><B><FONT size=1 face=Arial>Common Stock</FONT></B></TD>
   <TD width="1%" noWrap align=left><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=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=center><FONT size=1 face=Arial> </FONT></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=center></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="90%" align=left><FONT size=1 face=Arial>Book value per common share</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>29.37</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28.27</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27.95</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27.27</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>26.83</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="90%" align=left><FONT size=1 face=Arial>Stock price:</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>High</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35.80</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27.96</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>30.49</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42.72</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>44.32</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Low</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.15</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23.30</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.21</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21.64</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>37.94</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 90%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Period end</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35.35</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.15</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27.71</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28.37</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42.49</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 90%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Common
   shares outstanding</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=1 face=Arial>7,773</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=1 face=Arial>7,738</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=1 face=Arial>7,735</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=1 face=Arial>7,718</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=1 face=Arial>7,673</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="100%" colSpan=11 align=center><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>
<HR align=center size=2 width="100%" noShade>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<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=1 face=Arial>ASSET&nbsp;QUALITY&nbsp;MEASURES&nbsp;-&nbsp;Unaudited</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="9" STYLE="width: 9%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter&nbsp;Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars&nbsp;in&nbsp;thousands)&nbsp;</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: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September&nbsp;30<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June&nbsp;30<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial>Nonperforming&nbsp;Assets&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" align=left><B><FONT size=1 face=Arial>Commercial&nbsp;</FONT></B></TD>
   <TD width="1%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>&nbsp; &nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Owner&nbsp;occupied&nbsp;RE&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Non-owner&nbsp;occupied&nbsp;RE&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,143</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>1,059</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>2,428&nbsp;</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>3,268</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>188</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>139</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>143</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Commercial&nbsp;business&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>195</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>201</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>229&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>231</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>235</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; background-color: Silver"><B><FONT size=1 face=Arial>Consumer&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Real&nbsp;estate&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,536</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,518</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,324&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,821</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,829</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Home&nbsp;equity&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>547</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>632</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>360&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>427</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>431</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right></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></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></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Other&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Nonaccruing&nbsp;troubled&nbsp;debt&nbsp;restructurings&nbsp;</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=1 face=Arial>3,509</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>4,198</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=1 face=Arial>4,669&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 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=1 face=Arial>4,111</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Total&nbsp;nonaccrual&nbsp;loans&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>8,069</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>8,751</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>9,010&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>9,933</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>6,794</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other&nbsp;real&nbsp;estate&nbsp;owned&nbsp;</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=1 face=Arial>1,169</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>1,684</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=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>-</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>-</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total&nbsp;nonperforming&nbsp;assets&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9,238</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,435</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9,010&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9,933</FONT></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="background-color: Silver; width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,794</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="89%" align=left><FONT size=1 face=Arial>Nonperforming&nbsp;assets&nbsp;as&nbsp;a&nbsp;percentage&nbsp;of:&nbsp;</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=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total&nbsp;assets&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>0.37%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>0.42%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>0.36%&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>0.42%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>0.30%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total&nbsp;loans&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><I></I></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.43%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.50%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.44%&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.49%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.35%</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; background-color: Silver"><FONT size=1 face=Arial>Accruing&nbsp;troubled&nbsp;debt&nbsp;restructurings&nbsp;(TDRs)&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; background-color: Silver"><I><FONT size=1 face=Arial>$&nbsp;</FONT></I></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>4,893</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>5,277</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>7,332&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>7,939</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; background-color: Silver"><FONT size=1 face=Arial>5,219</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Classified&nbsp;assets/tier&nbsp;1&nbsp;capital&nbsp;plus&nbsp;allowance&nbsp;for&nbsp;loan losses&nbsp;</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"><FONT size=1 face=Arial>8.18%</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=1 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=1 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=1 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=1 face=Arial>7.93%</FONT></TD></TR>
<TR>
   <TD width="100%" colSpan=12>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="89%" align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="9" STYLE="width: 9%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter&nbsp;Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars&nbsp;in&nbsp;thousands)&nbsp;</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: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>September&nbsp;30<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>June&nbsp;30<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" align=left><B><FONT size=1 face=Arial>Allowance&nbsp;for&nbsp;Loan&nbsp;Losses&nbsp;</FONT></B></TD>
   <TD width="1%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><B></B></TD>
   <TD width="1%" noWrap align=right><B></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><B></B></TD>
   <TD width="1%" noWrap align=right><B></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="89%" align=left><FONT size=1 face=Arial>Balance,&nbsp;beginning&nbsp;of&nbsp;period&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42,219</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>31,602</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,462</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,642</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,848</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" align=left><FONT size=1 face=Arial>Loans&nbsp;charged-off&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,000)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,064)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,083)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(266)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(275)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Recoveries&nbsp;of&nbsp;loans&nbsp;previously&nbsp;charged-off&nbsp;</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=1 face=Arial>630</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>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=1 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=1 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=1 face=Arial>19</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net&nbsp;loans&nbsp;charged-off&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(370)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(483)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,060)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(180)</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(256)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Provision&nbsp;for&nbsp;loan&nbsp;losses&nbsp;</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=1 face=Arial>2,300</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>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=1 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=1 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=1 face=Arial>1,050</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Balance,&nbsp;end&nbsp;of&nbsp;period&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>44,149</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>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=1 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=1 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=1 face=Arial>16,642</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="89%" align=left><FONT size=1 face=Arial>Allowance&nbsp;for&nbsp;loan&nbsp;losses&nbsp;to&nbsp;gross&nbsp;loans&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left><B></B></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.06%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.03%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.55%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.11%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="89%" align=left><FONT size=1 face=Arial>Allowance&nbsp;for&nbsp;loan&nbsp;losses&nbsp;to&nbsp;nonaccrual&nbsp;loans&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>547.14%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
<TD width="1%" noWrap align=right><FONT size=1 face=Arial>482.43%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>


   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>350.74%</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>226.14%</FONT></TD>
   <TD width="1%" noWrap align=right></TD><TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>224.95%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 89%; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Net&nbsp;charge-offs&nbsp;to&nbsp;average&nbsp;loans&nbsp;QTD&nbsp;(annualized)&nbsp;</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"><FONT size=1 face=Arial>0.07%</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=1 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=1 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=1 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=1 face=Arial>0.06%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total nonperforming assets decreased by $1.2 million to $9.2 million for the fourth quarter of 2020, representing 0.37% of total assets, compared to the third quarter of 2020. The decrease in nonperforming assets was primarily a result of $2.6 million of loans paid off during the fourth quarter of 2020, combined with a $561 thousand write-down on the one property included in our other real estate owned. Offsetting these decreases was $2.2 million of loans added to nonaccrual during the quarter. The allowance for loan losses as a percentage of nonaccrual loans was 547.14% on December 31, 2020, compared to 482.43% on September 30, 2020 and 244.95% on December 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>On December 31, 2020, the allowance for loan losses was $44.1 million, or 2.06% of total loans, compared to $42.2 million, or 2.03% of total loans, at September 30, 2020 and $16.6 million, or 0.86% of total loans, at December 31, 2019. Net charge-offs were $370 thousand, or 0.07% on an annualized basis, for the fourth quarter of 2020 compared to $483 thousand, or 0.09% of net charge-offs, annualized, for the third quarter of 2020. Net charge-offs were $256,000 for the fourth quarter of 2019. The provision for loan losses was $2.3 million for the fourth quarter of 2020 compared to $11.1 million for the third quarter of 2020 and $1.1 million for the fourth quarter of 2019. The increased provision for the year ended December 31, 2020 was driven by qualitative adjustment factors related to the uncertain economic and business conditions at both the national and regional levels that remain at December 31, 2020. Factors 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 have driven this increase.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></P>
<HR align=center size=2 width="100%" noShade>

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

<TR vAlign=bottom>
   <TD COLSPAN="12" STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><B><FONT size=1 face=Arial>LOAN&nbsp;COMPOSITION&nbsp;-&nbsp;Unaudited</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><B></B></TD>
   <TD COLSPAN="9" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter&nbsp;Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 89%; text-align: left"><FONT size=1 face=Arial>(dollars&nbsp;in&nbsp;thousands)&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: right"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>&nbsp; December&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September&nbsp;30&nbsp;<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June&nbsp;30&nbsp;<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; text-align: left"><B><FONT size=1 face=Arial>Commercial&nbsp;</FONT></B></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Owner&nbsp;occupied&nbsp;RE&nbsp;</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=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>433,320</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=1 face=Arial>419,316</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=1 face=Arial>420,858</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=1 face=Arial>422,124</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=1 face=Arial>407,851</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Non-owner&nbsp;occupied&nbsp;RE&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>585,269</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>570,139</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>554,566</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>534,846</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>501,878</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Construction&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>61,467</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>64,063</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>71,761</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>74,758</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>80,486</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 15pt; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Business&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>307,599</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>303,760</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>310,212</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>317,702</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>308,123</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Total&nbsp;commercial&nbsp;loans&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,387,655</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=1 face=Arial>1,357,278</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=1 face=Arial>1,357,397</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=1 face=Arial>1,349,430</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=1 face=Arial>1,298,338</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; text-align: left"><B><FONT size=1 face=Arial>Consumer&nbsp;</FONT></B></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Real&nbsp;estate&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>536,311</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>496,684</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>437,742</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>427,697</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>398,245</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Home&nbsp;equity&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>156,957</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>161,795</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>173,739</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>183,099</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>179,738</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Construction&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>40,525</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>39,355</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>45,629</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>45,240</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>41,471</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 15pt; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Other&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>21,419</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>23,428</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>22,294</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>24,795</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>25,733</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Total&nbsp;consumer&nbsp;loans&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>755,212</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=1 face=Arial>721,262</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=1 face=Arial>679,404</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=1 face=Arial>680,831</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=1 face=Arial>645,187</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 30pt; text-align: left"><FONT size=1 face=Arial>Total&nbsp;gross&nbsp;loans,&nbsp;net&nbsp;of&nbsp;deferred&nbsp;fees&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,142,867</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,078,540</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,036,801</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,943,525</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Less&#8212;allowance&nbsp;for&nbsp;loan&nbsp;losses&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>(44,149)</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=1 face=Arial>(42,219)</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=1 face=Arial>(31,602)</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=1 face=Arial>(22,462)</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=1 face=Arial>(16,642)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="background-color: Silver; padding-left: 30pt; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Total&nbsp;loans,&nbsp;net&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,098,718</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,036,321</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,005,199</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,007,799</FONT></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="background-color: Silver; border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,926,883</FONT></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="text-align: left"><B></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD COLSPAN="12" STYLE="border-bottom: Black 1.5pt solid; text-align: left"><B><FONT size=1 face=Arial>DEPOSIT&nbsp;COMPOSITION&nbsp;-&nbsp;Unaudited</FONT></B> <B></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B></B></TD>
   <TD COLSPAN="9" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Quarter&nbsp;Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars&nbsp;in&nbsp;thousands)&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>&nbsp; December&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>September&nbsp;30&nbsp;<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June&nbsp;30&nbsp;<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>March&nbsp;31<BR>2020&nbsp;</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>December&nbsp;31<BR>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="text-align: left"><FONT size=1 face=Arial>Non-interest&nbsp;bearing&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>576,610</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>575,195</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>573,548</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>437,855</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>397,331</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="text-align: left"><FONT size=1 face=Arial>Interest&nbsp;bearing:&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>NOW&nbsp;accounts&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>268,739</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>284,490</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>285,953</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>260,320</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>228,680</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Money&nbsp;market&nbsp;accounts&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,042,745</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,025,518</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,006,233</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>979,861</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>898,923</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Savings&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>27,254</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>23,837</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>22,675</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>19,563</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>16,258</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; text-align: left"><FONT size=1 face=Arial>Time,&nbsp;less&nbsp;than&nbsp;$100,000&nbsp;</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: left"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>36,454</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>38,510</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>41,610</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>43,596</FONT></TD>
   <TD STYLE="white-space: nowrap; text-align: right"></TD>
   <TD STYLE="white-space: nowrap; text-align: right"><FONT size=1 face=Arial>47,941</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Time&nbsp;and&nbsp;out-of-market&nbsp;deposits,&nbsp;$100,000&nbsp;and&nbsp;over&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>190,956</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>233,506</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>258,624</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>284,503</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>286,991</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Total&nbsp;deposits&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$&nbsp;</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,142,758</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=1 face=Arial>2,181,056</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=1 face=Arial>2,188,643</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=1 face=Arial>2,025,698</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=1 face=Arial>1,876,124</FONT></TD></TR>
</TABLE>
<BR>

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

<TR vAlign=bottom>
   <TD WIDTH="100%" COLSPAN="2" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><B><FONT size=2 face=Arial>Footnotes to tables:</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (1)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Total revenue is the sum of net interest income and noninterest income. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (2)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>The tax-equivalent adjustment to net interest income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (3)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Annualized for the respective three-month period. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (4)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Noninterest expense divided by the sum of net interest income and noninterest income. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (5)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Excludes mortgage loans held for sale. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (6)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Excludes out of market deposits and time deposits greater than $250,000. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (7)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>December 31, 2020 ratios are preliminary. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (8)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (9)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets. </FONT></TD></TR>
<TR vAlign=bottom>
   <TD VALIGN="TOP" WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial> (10)</FONT></TD>
   <TD VALIGN="TOP" WIDTH="99%" ALIGN="LEFT" STYLE="text-align: justify"><FONT size=2 face=Arial>Includes mortgage loans held for sale. </FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>ABOUT SOUTHERN FIRST BANCSHARES</FONT></B><BR>

<FONT size=2 face=Arial>Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated under the laws of South Carolina.  The company'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 12 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as the Charlotte, 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 "SFST."  More information can be found at <u>www.southernfirst.com</u>.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>FORWARD-LOOKING STATEMENTS</FONT></B><FONT size=2 face=Arial> </FONT><BR>

<FONT size=2 face=Arial>Certain statements in this news release contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans and expectations, and are thus prospective.  Such forward-looking statements are identified by words such as "believe," "expect," "anticipate," "estimate," "intend," "plan," "target," and "project," as well as similar expressions.  Such statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements.  Although we believe that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate.  Therefore, we can give no assurance that the results contemplated in the forward-looking statements will be realized.  The inclusion of this forward-looking information should not be construed as a representation by our company or any person that the future events, plans, or expectations contemplated by our company will be achieved.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>7</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 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 national political turmoil as well as continuing impact of the novel coronavirus, or COVID-19, on the economies and communities the company serves, which may have an adverse impact on the company's business, operations and performance, and could have a negative impact on the company'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, changes affecting oversight of the financial services industry or consumer protection; (5) the impact of the results of the recent U.S. elections on the regulatory landscape, capital markets, and the response to and management of the COVID-19 pandemic; (6) 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; (7) changes in interest rates, which may affect the company's net income, prepayment penalty income, mortgage banking income, and other future cash flows, or the market value of the company's assets, including its investment securities; and (8) 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'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:normal; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="width: 100%; white-space: nowrap; text-align: left; border-top: Black 1.5pt dashed"><FONT size=2 face=Arial> &nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=2 face=Arial>FINANCIAL CONTACT: MIKE DOWLING  864-679-9070</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=2 face=Arial> &nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=2 face=Arial>MEDIA CONTACT: ART SEAVER  864-679-9010</FONT><FONT size=2 face=Arial> </FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=2 face=Arial> &nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD width="100%" noWrap align=left><FONT size=2 face=Arial>WEB SITE: <u>www.southernfirst.com</u></FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>8</FONT></P>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>sfst-20210126_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
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        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001090009</identifier>
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        <period>
            <startDate>2021-01-25</startDate>
            <endDate>2021-01-26</endDate>
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    <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>
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                <measure>shares</measure>
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        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2021-01-25to2021-01-26">0001090009</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2021-01-25to2021-01-26">false</dei:AmendmentFlag>
    <dei:DocumentType contextRef="From2021-01-25to2021-01-26">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2021-01-25to2021-01-26">2021-01-26</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2021-01-25to2021-01-26">Southern First Bancshares, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2021-01-25to2021-01-26">SC</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2021-01-25to2021-01-26">000-27719</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2021-01-25to2021-01-26">58-2459561</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2021-01-25to2021-01-26">100 Verdae Boulevard</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2 contextRef="From2021-01-25to2021-01-26">Suite 100</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown contextRef="From2021-01-25to2021-01-26">Greenville</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2021-01-25to2021-01-26">SC</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2021-01-25to2021-01-26">29607</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2021-01-25to2021-01-26">864</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2021-01-25to2021-01-26">679-9000</dei:LocalPhoneNumber>
    <dei:EntityInformationFormerLegalOrRegisteredName contextRef="From2021-01-25to2021-01-26">Not Applicable</dei:EntityInformationFormerLegalOrRegisteredName>
    <dei:WrittenCommunications contextRef="From2021-01-25to2021-01-26">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2021-01-25to2021-01-26">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2021-01-25to2021-01-26">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2021-01-25to2021-01-26">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2021-01-25to2021-01-26">Common Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2021-01-25to2021-01-26">SFST</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2021-01-25to2021-01-26">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2021-01-25to2021-01-26">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) {
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							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm140347889340824">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jan. 26, 2021</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">Jan. 26,  2021<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<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>
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<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>
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<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>
</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_TradingSymbol">
<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>
<td style="white-space:nowrap;">dei_TradingSymbol</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:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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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">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
