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<SEC-DOCUMENT>0000796534-08-000015.txt : 20081015
<SEC-HEADER>0000796534-08-000015.hdr.sgml : 20081015
<ACCEPTANCE-DATETIME>20081015164027
ACCESSION NUMBER:		0000796534-08-000015
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20080930
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20081015
DATE AS OF CHANGE:		20081015

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NATIONAL BANKSHARES INC
		CENTRAL INDEX KEY:			0000796534
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				541375874
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15204
		FILM NUMBER:		081125335

	BUSINESS ADDRESS:	
		STREET 1:		101 HUBBARD STREET
		STREET 2:		PO BOX 90002
		CITY:			BLACKSBURG
		STATE:			VA
		ZIP:			24060
		BUSINESS PHONE:		540-951-6300

	MAIL ADDRESS:	
		STREET 1:		101 HUBBARD STREET
		STREET 2:		PO BOX 90002
		CITY:			BLACKSBURG
		STATE:			VA
		ZIP:			24060
</SEC-HEADER>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k_q32008.htm
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>UNITED STATES</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>SECURITIES AND EXCHANGE COMMISSION</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=4>Washington, D.C. 20549</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>FORM 8-K</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>CURRENT REPORT</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=4>PURSUANT TO SECTION 13 OR 15(d)</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>OF THE </font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>SECURITIES EXCHANGE ACT OF 1934</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>


<div align=center>

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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Date of Report: October 15, 2008</font></b></p> </td>
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Commission File Number: 0-15204</font></b></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=5>National Bankshares, Inc.</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of Registrant as specified in its charter)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>


<div align=center>

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        <td width="295" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Virginia</font></b></p> </td>
        <td width="295" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>54-1375874</font></b></p> </td> </tr>
    <tr >
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(State or other jurisdiction of incorporation or organization)</font></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="295" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>(I.R.S. Employer Identification No.)</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>101 Hubbard Street</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Blacksburg, VA 24060</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Address of principal executive offices)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2> (540) 951-6300</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Registrant&#146;s telephone number, including area code</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Page 1 of 2 Pages</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
<font SIZE=2>ITEM 2.02.  RESULTS OF OPERATIONS, FINANCIAL STATEMENTS AND </font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="180" style='border-collapse:collapse; '>
    <tr >
        <td width="88" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="92" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font SIZE=2>EXHIBITS</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.51in;text-align:left;'><font size=2>On October 15, 2008, National Bankshares, Inc. issued a press release announcing its financial results for the third quarter ended September 30, 2008. A copy of the press release is attached as Exhibit 99.1.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2>ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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        <td width="24" valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(a)</font></p> </td>
        <td  valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibits</font></p> </td> </tr></table>
</div>


<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<table border="0" cellspacing=0 cellpadding=0 width="483" style='border-collapse:collapse'>
    <tr >
        <td width="48" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>99.1  </font></p> </td>
        <td width="435" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>National Bankshares, Inc. Press Release dated October 15, 2008.</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:1.5in;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:1.5in;text-align:left;'><font size=2>&nbsp;</font></p>


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        <td width="240" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="109" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font SIZE=2>SIGNATURE</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.51in;text-align:left;'><font size=2>Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2>NATIONAL BANKSHARES, INC.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="181" style='border-collapse:collapse'>
    <tr >
        <td width="51" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date:  </font></p> </td>
        <td width="131" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>October 15, 2008</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="288" style='border-collapse:collapse'>
    <tr style='height:.25in'>
        <td width="223" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt; height:.25in'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ JAMES G. RAKES</font><u></u></p> </td> </tr>
    <tr >
        <td width="223" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>James G. Rakes</font></p>
<p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Chairman</font></p>
<p style='margin-left:0pt;text-indent:.5in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>President and CEO</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Page 2 of 2 Pages</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>



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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>q32008_press.htm
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        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><img src="img1.jpg"><br>
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        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><u><b><font size="3">FOR IMMEDIATE RELEASE</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

        <div align="left">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="583" border="0">
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                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">CONTACTS:</font></b></p>
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                    <td valign="top" nowrap width="439">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">James G. Rakes, Chairman, President &amp; CEO (540) 951-6236</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

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            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="460" border="0">
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                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td valign="top" nowrap width="316">
                        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">F. Brad Denardo, Treasurer (540) 951-6213</font></b></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><u><b><font size="2">NATIONAL BANKSHARES, INC. REPORTS</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><u><font size="2">&nbsp;&nbsp;</font><b><font size="2">INCREASED EARNINGS FOR THIRD QUARTER AND YEAR</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><font size="2">BLACKSBURG, VA, OCTOBER 15, 2008: At September 30, 2008, National Bankshares, Inc. (NASDAQ Capital Market: NKSH) reported year-to-date net income of nearly $10.27 million, which is 8.60% higher than net income the end of the third quarter last year. This translates to basic net income per share of $1.48, $0.12 over the 2007 figure. For the three months ended September 30, 2008, the Company posted net
        income of almost $3.62 million, a 13.11% increase over the same period in 2007. Net loans, which were at $541.40 million on September 30, were up by 6.32% over September 30 last year. At the end of the third quarter, National Bankshares, Inc. had total assets of more than $902.28 million, up by 4.93% when compared with the end of the third quarter last year. At September 30, 2008, the Company&rsquo;s return on average assets was 1.53% and the return on average equity was
        12.66%.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify"><font size="2">National Bankshares&rsquo; Chairman, President &amp; CEO, James G. Rakes, said, &ldquo;With so much negative financial news, it is nice to be able to report solid earnings growth for both the third quarter and the year to date. The improving net interest margin, which was 4.11% on September 30, and good growth in the loan portfolio were important factors in the positive earnings
        report. For more than 117 years our subsidiary bank has been well served by a traditional and conservative approach to community banking. It proved to be a prudent course to follow during past financial crises, and we do not think we should change direction now.&rdquo; Mr. Rakes went on to say, &ldquo;Especially when compared with historically good numbers in 2007, we are seeing an increase in nonperforming assets. However, even with the increase, the 0.37% ratio of nonperforming loans
        to total loans at September 30 is reasonable, and it compares well with peers. During these uncertain times, our lenders are not compromising loan underwriting standards, and we are making prudent additions to the allowance for loan losses.&rdquo;</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify"><font size="2">National Bankshares, Inc. is a financial holding company with headquarters in Blacksburg, Virginia. It has one community bank subsidiary, National Bank, which was founded in 1891. National Bank operates from 26 office locations throughout Southwest Virginia. National Bankshares Financial Services, Inc. is the Company&rsquo;s non-bank brokerage and insurance subsidiary operating in the
        same market.</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify"><font size="2">National Bankshares, Inc. stock is traded on the NASDAQ Stock Market under the symbol &ldquo;NKSH&rdquo;. More information is available at</font> <u><font size="2">www.nationalbankshares.com.</font></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><i><font size="2">Forward-Looking Statements</font></i></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><i><font size="2">Certain statements in this press release may be &ldquo;forward-looking statements.&rdquo; Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results that are not statements of historical fact and that involve significant risks and uncertainties. Although the Company believes that its expectations with regard to forward-looking
        statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual Company results will not differ materially from any future results implied by the forward-looking statements. Actual results may be materially different from past or anticipated results because of many factors, some of which may include changes in economic conditions, the interest rate environment, legislative and regulatory
        requirements, new products, competition, changes in the stock and bond markets and technology. The Company does not update any forward-looking statements that it may make.</font></i></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center"><font size="2">(unaudited tables follow)</font></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: center">&nbsp;</p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"><u><b><font size="2">National Bankshares, Inc. And Subsidiaries</font></b></u></p>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left">&nbsp;</p>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="1">(000&rsquo;s), except ratios and percent data</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><b><font size="2">Three months ending</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">September 30, 2008</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">September 30, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" colspan="2">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: center"><b><font size="2">Change</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Selected Consolidated Data :</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,409</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,693</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-2.24</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4,195</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,442</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-22.91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,214</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7,251</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13.28</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Provision for loan losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">280</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">119</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">135.29</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Trust income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">307</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">286</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other noninterest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,901</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,839</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Salary and benefits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,792</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,621</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Occupancy expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">437</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">419</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.30</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Amortization of intangibles</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">279</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">284</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-1.76</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other noninterest expense</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,023</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,776</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13.91</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Income taxes</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-996</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-961</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.64</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,615</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,196</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Basic net income per share</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.46</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.06</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Daily averages:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gross loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">540,911</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">510,811</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5.89</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans,net</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">534,504</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">504,725</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5.90</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total securities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">285,224</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">281,921</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.17</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">775,614</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">751,896</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.15</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,004</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">134</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">649.25</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Stockholders&rsquo; equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">108,974</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">100,527</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8.40</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and due from</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,789</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13,021</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-1.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest-earning assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">832,990</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">800,998</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.99</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest-bearing liabilities</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">661,912</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">641,988</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Intangible assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">14,158</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">15,286</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-7.38</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #f3f3f3; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">892,260</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">859,736</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.78</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Financial ratios: Note (1)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.61</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.47</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average equity</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13.20</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.61</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.59</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest margin</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.98</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.36</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Efficiency ratio</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Average equity to average assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.69</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.52</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 20pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Note (1) Ratio change measured in bp</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Allowance for loan losses:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Beginning balance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,267</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,000</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Provision for losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">280</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">119</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">135.29</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Charge-offs</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-127</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-94</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">35.11</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Recoveries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">15</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">18</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-16.67</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Ending balance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,435</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,043</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Year to Date</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">September 30, 2008</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">September 30, 2007</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><b><font size="2">Change</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; BORDER-BOTTOM: black 1pt solid" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Selected Consolidated Data :</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest income</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">37,592</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">37,918</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-0.86</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>
            </table>
        </div>

        <p style="MARGIN-TOP: 0pt; MARGIN-BOTTOM: 0pt; TEXT-ALIGN: left"></p>

        <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest expense</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">14,417</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">16,228</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-11.16</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest income</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">23,175</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">21,690</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6.85</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Provision for loan losses</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">515</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">129</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">299.22</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Trust income</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">929</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,019</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-8.83</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other noninterest income</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,802</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,544</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.65</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Salary and benefits</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,395</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8,240</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.88</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Occupancy expense</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,328</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,316</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.91</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Amortization of intangibles</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">841</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">853</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-1.41</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other noninterest expense</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,730</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,452</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5.10</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Income taxes</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-2,832</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-2,811</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.75</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net income</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">10,265</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">9,452</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8.60</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Basic net income per share</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.48</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.36</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.12</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Fully diluted net income per share</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.48</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.36</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.12</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Dividends per share</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Dividend payout ratio</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">26.32</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">27.34</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-1.02</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Book value per share</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">15.80</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">14.77</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.03</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Balance sheet at period-end:</font></b></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gross loans</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">547,952</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">515,350</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6.33</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans, net</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">541,404</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">509,203</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6.32</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total securities</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">278,700</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">280,774</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-0.74</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and due From</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">16,511</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,058</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">36.93</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">785,986</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">749,991</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.80</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">56</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">66</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-15.15</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Stockholders&rsquo; equity</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">109,473</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">102,769</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">6.52</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Intangible assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13,997</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">15,123</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-7.45</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">902,283</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">859,915</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.93</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Daily averages:</font></b></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Gross loans</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">531,914</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">507,921</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.72</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Loans,net</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">525,577</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">501,786</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.74</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total securities</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">283,902</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">284,675</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-0.27</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total deposits</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">779,078</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">757,185</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2.89</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other borrowings</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">379</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">814</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-53.44</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Stockholders&rsquo; equity</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">108,297</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">99,588</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">8.75</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Cash and due from</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12,848</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">13,971</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-8.04</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest-earning assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">837,109</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">804,839</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.01</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Interest-bearing liabilities</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">666,185</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">650,181</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2.46</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Intangible assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">14,436</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">15,570</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-7.28</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">894,544</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">864,570</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.47</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Financial ratios: Note (1)</font></b></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.53</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.46</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.07</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Return on average equity</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.66</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.69</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-0.03</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Net interest margin</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">4.11</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3.99</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.12</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Efficiency ratio</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">50.17</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">51.73</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-1.56</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Average equity to average assets</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">12.11</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">11.52</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.59</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 20pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Note (1) Ratio change measured in bp</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Allowance for loan losses:</font></b></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>
            </tr>

            <tr style="page-break-inside: avoid">
                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Beginning balance</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,219</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,157</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1.20</font></p>
                </td>

                <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                    <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                </td>
            </tr>
        </table>

        <div align="center">
            <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0">
                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Provision for losses</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">515</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">129</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">299.22</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Charge-offs</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-409</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">-319</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">28.21</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Recoveries</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">110</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">76</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">44.74</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Ending balance</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,435</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">5,043</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">7.77</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Nonperforming assets:</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonaccrual loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,003</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,208</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">65.81</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Restructured loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total nonperforming loans Note (2)</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">2,003</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,208</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">65.81</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Other real estate owned</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,037</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">192</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">440.10</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Total nonperforming assets</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">3,040</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">$</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">1,400</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">117.14</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cccccc; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><b><font size="2">Asset quality ratios: Note (3)</font></b></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Nonperforming loans to total loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.37</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.23</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Allowance for loan losses to total loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.99</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">0.98</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0.25in; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Allowance for loan losses to nonperforming loans</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">271.34</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right"><font size="2">417.47</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left"><font size="2">%</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 2.25pt; TEXT-ALIGN: right"><font size="2">---</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: #cfcfcf; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 20pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Note (2) Loans 90 days past due or more not included</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>
                </tr>

                <tr style="HEIGHT: 4pt; page-break-inside: avoid">
                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="top" nowrap width="43%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 20pt; TEXT-INDENT: -0.25in; TEXT-ALIGN: left"><font size="2">Note (3) Ratio change measured in bp</font></p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="0%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="7%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" nowrap width="15%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0in; TEXT-INDENT: 0pt; TEXT-ALIGN: left">&nbsp;</p>
                    </td>

                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" width="1%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
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                    <td style="PADDING-RIGHT: 0.7pt; PADDING-LEFT: 0in; BACKGROUND: white; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; HEIGHT: 4pt" valign="bottom" nowrap width="6%">
                        <p style="MARGIN-TOP: 2pt; MARGIN-BOTTOM: 0pt; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; TEXT-ALIGN: right">&nbsp;</p>
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