<SEC-DOCUMENT>0001144204-11-059735.txt : 20111027
<SEC-HEADER>0001144204-11-059735.hdr.sgml : 20111027
<ACCEPTANCE-DATETIME>20111027144642
ACCESSION NUMBER:		0001144204-11-059735
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20111027
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20111027
DATE AS OF CHANGE:		20111027

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NORTHWEST INDIANA BANCORP
		CENTRAL INDEX KEY:			0000919864
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				351927981
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26128
		FILM NUMBER:		111161478

	BUSINESS ADDRESS:	
		STREET 1:		9204 COLUMBIA AVE
		CITY:			MUNSTER
		STATE:			IN
		ZIP:			46321
		BUSINESS PHONE:		219 836-9690

	MAIL ADDRESS:	
		STREET 1:		9204 COLUMBIA AVE
		CITY:			MUNSTER
		STATE:			IN
		ZIP:			46321
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<DESCRIPTION>CURRENT REPORT
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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Securities Exchange Act of 1934</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>On October 27, 2011, NorthWest Indiana Bancorp issued a press release reporting its unaudited financial results for the quarter and nine months ending September 30, 2011.&#160;&#160;A copy of the press release is filed as Exhibit&#160;99.1 to this report and is incorporated herein by reference.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 72pt"></font>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></div>

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<TYPE>EX-99.1
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<DESCRIPTION>EXHIBIT 99.1
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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Munster, Indiana - NorthWest Indiana Bancorp (&#8220;the Bancorp&#8221;), the holding company for Peoples Bank (&#8220;the Bank&#8221;), reported an increase in earnings with net income of $1.13 million for the three months ended September 30, 2011, compared to $1.04 million for the three months ended September 30, 2010.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The earnings of $1.13 million for the three months ended September 30, 2011, represent earnings of $0.40 per basic and diluted share.&#160;&#160;For the current three month period, the return on average assets (ROA) was 0.70% and the return on equity (ROE) was 7.34%.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;Peoples Bank continued to show earnings improvement during the third quarter of this year as net income increased 8.5% over the third quarter of 2010.&#160;&#160;Our core earnings remain strong and asset quality continues to improve, a good sign that economic conditions are improving modestly,&#8221; said David A. Bochnowski, Chairman and Chief Executive Officer.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;The Bank continues to grow despite an uncertain economy with total assets up 3.2% for the first nine months of the year.&#160;&#160;Customer response to our products and services has driven our core account growth as checking, savings, and money market account balances increased $24.48 million during the first nine months of the year,&#8221; said Bochnowski.&#160;&#160;At the end of September 2011 core accounts represented 65.6% of total deposits.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">According to Bochnowski, the Bank&#8217;s asset quality, as measured by non-performing assets has improved 21.8% since the end of 2010.&#160;&#160;In addition, the Bank&#8217;s strong earnings have resulted in increased capital levels with tangible equity capital at 9.5% of assets at the end of September, 2011.&#160;&#160;The Bancorp and Peoples Bank continue to exceed all regulatory capital requirements and are considered well capitalized under applicable banking regulations.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">For the nine months ended September 30, 2011, the Bancorp&#8217;s net income was $3.98 million, compared to $4.05 million for the nine months ended September 30, 2010.&#160;&#160;The earnings of $3.98 million for the nine months ended September 30, 2011, represent earnings of $1.41 per basic and diluted share.&#160;&#160;For the current nine month period, the return on average assets was 0.83% and the return on equity was 8.91%.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Net Interest Income</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Net interest income, the difference between interest income from loans and investments and interest expense paid to funds providers, totaled $5.92 million for the three months ended September 30, 2011, compared to $6.26 million for the three months ended September 30, 2010, a decrease of $344 thousand or 5.5%.&#160;&#160;For the nine months ended September 30, 2011, net interest income totaled $17.82 million, compared to $18.94 million for the nine months ended September 30, 2010, a decrease of $1.12 million or 5.9%.&#160;&#160;The net interest income decrease for both three and nine month periods is a result of reduced loan balances and lower asset yields.&#160;&#160;The Bancorp&#8217;s net interest margin on a tax adjusted basis was 4.14% for the three months ended September 30, 2011, compared to 4.27% for the three months ended September 30, 2010.&#160;&#160;For the nine months ended September 30, 2011, the tax adjusted net interest margin was 4.19%, compared to 4.24% for the nine months ended September 30, 2010.&#160;&#160;The Bancorp&#8217;s net interest margin continues to benefit from core deposit growth and a low cost of funds as a result of the Federal Reserve&#8217;s action in maintaining a low interest rate environment.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Noninterest income from banking activities for the three months ended September 30, 2011 totaled $1.25 million, compared to $1.28 million for the three months ended September 30, 2010, a decrease of $24 thousand or 1.9%.&#160;&#160;For the nine months ended September 30, 2011, noninterest income totaled $4.68 million, compared to $4.23 million for the nine months ended September 30, 2010, an increase of $452 thousand or 10.7%.&#160;&#160;The increase for the nine month period is primarily related to the Bancorp&#8217;s favorable settlement in its lawsuit against the lead lender of a commercial real estate participation loan.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Noninterest expense related to operating activities totaled $5.24 million for the three months ended September 30, 2011, compared to $4.78 million for the three months ended September 30, 2010, an increase of $451 thousand or 9.4%.&#160;&#160;For the nine months ended September 30, 2011, noninterest expense totaled $15.07 million, compared to $14.34 million for the nine months ended September 30, 2010, an increase of $731 thousand or 5.1%.&#160;&#160;The increase for both three and nine month periods is primarily related to foreclosure and legal expenses, and additional expenses related to the operations of the St. John Banking Center, which opened in October 2010.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Funding</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">At September 30, 2011, core deposits totaled $346.31 million, an increase of $24.48 million or 7.6%, compared to December 31, 2010.&#160;&#160;Core deposits include checking, savings, and money market accounts and represented 65.6% of the Bancorp&#8217;s total deposits at September 30, 2011.&#160;&#160;As a result of core deposit growth and increased liquidity from loan repayments, management reduced certificate of deposit balances by $17.09 million during the year, which had a positive impact of lowering the Bancorp&#8217;s cost of funds.&#160;&#160;At September 30, 2011, borrowings and repurchase agreements totaled $53.81 million, an increase of $5.20 million from December 31, 2010.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The Bancorp&#8217;s loan portfolio totaled $407.10 million at September 30, 2011, a decrease of $11.14 million or 2.7%, compared to December 31, 2010.&#160;&#160;During the first nine months of 2011, commercial real estate, commercial business and government loans increased by $12.33 million.&#160;&#160;Mortgage loans decreased by $546 thousand, as a result of sales of fixed rate loans into the secondary market.&#160;&#160;In addition, construction and land development loans, as well as multifamily and consumer loans, decreased by an aggregate of $22.92 million during the year.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;As a result of the improvement in asset quality, the Bank has taken lower loan loss provisions for the most recent three months as well as the first nine months of this year.&#160;&#160;The continuation of this positive trend strengthens our balance sheet and improves our earnings outlook,&#8221; Bochnowski noted.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Investing</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The Bancorp&#8217;s securities portfolio totaled $184.39 million at September 30, 2011, an increase of $23.94 million or 14.9%, compared to December 31, 2010.&#160;&#160;During 2011, management has invested the Bancorp&#8217;s excess liquidity in the securities portfolio, which has had a positive impact on earnings.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Asset Quality</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">At September 30, 2011, past due loans totaled $23.11 million, compared to $33.15 million at December 31, 2010, a decrease of $10.04 million or 30.3%.&#160;&#160;Non-performing loans totaled $19.70 million at September 30, 2011, compared to $24.12 million at December 31, 2010, a decrease of $4.42 million or 18.3%.&#160;&#160;The current level of non-performing loans is concentrated with five geographically diverse commercial real estate participation loans that aggregate to $11.73 million. These participations were purchased from other originators in the period from 2005 through 2007 prior to the most recent recession.&#160;&#160;The Bancorp&#8217;s ratio of non-performing assets to total assets was 3.38% at September 30, 2011, compared to 4.46% at December 31, 2010.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">For the three months ended September 30, 2011, loan loss provisions totaled $570 thousand, while $1.62 million in provisions were recorded for the three months ended September 30, 2010.&#160;&#160;For the nine months ended September 30, 2011, loan loss provisions totaled $2.64 million, while $4.12 million in provisions were recorded for the nine months ended September 30, 2010.&#160;&#160;The 2011 loan loss provisions were related to the current credit risk in the commercial real estate participation and commercial real estate loan portfolios.&#160;&#160;Loan charge-offs, net of recoveries, totaled $3.39 million for the nine months ended September 30, 2011, compared to $2.04 million for the nine months ended September 30, 2010.&#160;&#160;At September 30, 2011, the allowance for loan losses totaled $8.36 million and is considered adequate by management.&#160;&#160;The allowance for loan losses as a percentage of total loans was 2.05% at September 30, 2011, compared to 2.18% at December 31, 2010.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Capital Adequacy</font></div>

<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">At September 30, 2011, shareholders&#8217; equity stood at $62.07 million or 9.5% of total assets.&#160;&#160;The Bancorp&#8217;s regulatory capital ratios at September 30, 2011 were 14.0% for total capital to risk-weighted assets, 12.8% for tier 1 capital to risk-weighted assets and 9.1% for tier 1 capital to adjusted average assets.&#160;&#160;Under all regulatory capital requirements, the Bancorp is considered well capitalized.&#160;&#160;The book value of the Bancorp&#8217;s stock stood at $21.91 per share at the end of the third quarter 2011.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The NorthWest Indiana Bancorp&#8217;s common stock is traded on the OTC Bulletin Board under NWIN.&#160;&#160;&#160;The Bancorp&#8217;s subsidiary, Peoples Bank, has offices in Crown Point, Dyer, East Chicago, Gary, Hammond, Hobart, Merrillville, Munster, St. John, Schererville and Valparaiso, Indiana.&#160;&#160;The Bank&#8217;s website, ibankpeoples.com, provides information on the Bank&#8217;s products, services and investor relations.</font></div>

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<div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8220;Forward-looking statements&#8221; as defined in the Private Securities Litigation Reform Act of 1995 may be included in this release.&#160;&#160;A variety of factors could cause the Bancorp&#8217;s actual results to differ from those expected at the time of this release.&#160;&#160;These include, but are not limited to, changes in economic conditions in the Bancorp&#8217;s market area, changes in policies by regulatory agencies, fluctuation in interest rates, demand for loans in the Bancorp&#8217;s market area, economic conditions in the financial services industry, including on-going depressed demand in the housing market, competition and other risks set forth in the Bancorp&#8217;s reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2010.&#160;&#160;Readers are urged to carefully review and consider the various disclosures made by the Bancorp in its periodic reports filed with the Securities and Exchange Commission. Forward-looking statements speak only as of the date they are made, and the Bancorp undertakes no obligation to update them in light of new information or future events.</font></div>

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<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Three Months Ended</font></td>
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<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Nine Months Ended</font></td>
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<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Return on equity</font></td>
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<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7.09</font></td>
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<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">8.91</font></td>
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<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9.50</font></td>
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<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.62</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
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<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Basic earnings per share</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Diluted earnings per share</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Yield on loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.08</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Yield on security investments</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total yield on earning assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.43</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cost of deposits</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cost of borrowings</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.94</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total cost of funds</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net interest margin - tax equivalent</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.14</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.27</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Noninterest income / average assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.76</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Noninterest expense / average assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.87</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.83</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net noninterest margin / average assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-2.47</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-2.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-2.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-1.99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Efficiency ratio</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">73.04</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">63.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">66.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">61.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Effective tax rate</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">16.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">8.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">17.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">14.20</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Dividend declared per common share</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160; </font></td>
<td nowrap valign="bottom" width="1%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left">&#160;</td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">December 31,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160; </font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Unaudited)</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2010</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net worth / total assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">8.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Book value per share</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">21.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">19.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Non-performing assets to total assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Non-performing loans to total loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.77</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Allowance for loan loss to non-performing loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">42.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">37.82</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Allowance for loan loss to loans outstanding</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.05</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Foreclosed real estate to total assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Consolidated Statements of Income</font></font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Three Months Ended</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Nine Months Ended</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Dollars in thousands)</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160; </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Unaudited)</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="6" nowrap valign="bottom" width="22%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Unaudited)</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160; </font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2010</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2010</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Interest income:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5,149</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5,933</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">15,710</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">18,368</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Securities &amp; short-term investments</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,532</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,462</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,645</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,570</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; PADDING-BOTTOM: 2px; MARGIN-LEFT: 9pt; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total interest income</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6,681</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,395</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">20,355</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">22,938</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Interest expense:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Deposits</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">581</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">880</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,966</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Borrowings</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">185</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">256</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">569</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">859</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total interest expense</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">766</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,136</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,535</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,994</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net interest income</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5,915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6,259</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">17,820</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">18,944</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Provision for loan losses</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">570</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,615</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,635</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,120</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net interest income after provision for loan losses</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5,345</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,644</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">15,185</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">14,824</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Noninterest income:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Fees &amp; service charges</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">644</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">652</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,865</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,896</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Wealth management operations</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">293</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">353</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">877</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">887</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Gain on sale of securities, net</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">183</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">111</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">683</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">853</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cash value increase from bank owned life insurance</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">102</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">299</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">306</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Gain on sale of loans, net</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">27</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">335</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">137</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">607</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Gain/(loss) on foreclosed real estate</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">)</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(266</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">)</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">786</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(201</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">)</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Other-than-temporary impairment of securities</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">)</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(128</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">)</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Other income</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">37</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">12</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total noninterest income</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,251</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,275</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,684</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,232</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Noninterest expense:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Compensation &amp; benefits</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,519</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,426</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,430</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,293</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Occupancy &amp; equipment</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">877</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">794</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,569</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,386</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Federal deposit insurance premiums</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">208</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">231</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">805</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">727</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Data processing</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">246</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">236</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">747</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">700</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Marketing</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">304</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">329</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Other</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,297</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,007</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,217</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,906</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; PADDING-BOTTOM: 2px; MARGIN-LEFT: 9pt; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total noninterest expense</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5,235</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,784</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">15,072</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">14,341</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Income before income taxes</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,361</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,797</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,715</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Income tax expenses</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">231</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">94</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">816</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">669</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 4px; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Net income</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,130</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,041</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,981</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4,046</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 4px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr></table>
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<div style="TEXT-INDENT: 18pt">&#160;</div>

<div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
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<div id="GLFTR" style="WIDTH: 100%; TEXT-INDENT: 9pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
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<div style="WIDTH: 100%; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>

<div style="WIDTH: 100%; TEXT-ALIGN: center">
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<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman">&#160; </font></div>
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<table border="0" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="bottom">
<td colspan="16" nowrap valign="bottom" width="82%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td colspan="16" nowrap valign="bottom" width="82%" style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">NorthWest Indiana Bancorp</font></font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td colspan="16" nowrap valign="bottom" width="82%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Quarterly Financial Report</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr>
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td nowrap valign="bottom" width="35%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Balance Sheet Data</font></font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Dollars in thousands)</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%">&#160;</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font> </font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">December 31,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Change</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Mix</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Unaudited)</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2010</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">650,957</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">631,053</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3.2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Cash &amp; cash equivalents</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">23,314</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10,938</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">113.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Securities - available for sale</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">184,391</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">142,055</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">29.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Securities - held to maturity</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">18,397</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-100.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="#ccffcc">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Loans receivable:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Construction and land development</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">26,300</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">46,371</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-43.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1-4 first liens</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">127,413</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">127,959</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-0.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">31.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Multifamily</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,423</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7,605</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-2.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Commercial real estate</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">146,915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">138,506</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">36.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Commercial business</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">65,430</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">61,726</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">16.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1-4 Junior Liens</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,922</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,434</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-21.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">HELOC</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">17,722</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">19,325</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">4.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Lot loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,835</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,164</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-10.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Consumer</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">539</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">762</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-29.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Government and other</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10,596</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10,381</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.1</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2.5</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">407,095</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">418,233</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-2.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">100.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Deposits:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Core deposits:</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Noninterest bearing checking</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">61,737</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">50,712</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">21.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">11.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Interest bearing checking</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">98,101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">90,984</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">18.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Savings</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">70,394</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">65,146</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">8.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">13.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">MMDA</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">116,073</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">114,983</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">0.9</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">22.0</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 54pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total core deposits</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">346,305</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">321,825</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">7.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">65.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Certificates of deposit</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">181,358</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">198,446</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-8.6</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">34.4</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="TEXT-INDENT: 54pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total deposits</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">527,663</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">520,271</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">100.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Borrowings</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">53,813</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">48,618</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Stockholder's equity</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">62,073</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">56,089</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%">
<div><font size="1" style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Asset Quality</font></div>

<div><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Dollars in thousands)</font></div>
</td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font> </font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">December 31,</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Change</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">(Unaudited)</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2010</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Nonaccruing loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">19,508</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">$</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">23,967</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-18.6</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Accruing loans delinquent more than 90 days</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">187</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">148</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">26.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Securities in non-accrual</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">717</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">742</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-3.4</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Foreclosed real estate</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,606</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">3,298</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-51.3</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total nonperforming assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">22,018</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">28,155</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-21.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Allowance for loan losses (ALL):</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">ALL specific allowances for impaired loans</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">1,691</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2,794</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-39.5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; PADDING-BOTTOM: 2px; MARGIN-LEFT: 9pt; TEXT-INDENT: 18pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">ALL general allowances for loan portfolio</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6,671</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6,327</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.4</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; TEXT-INDENT: 36pt"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total ALL</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">8,362</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9,121</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">-8.3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%" style="BORDER-BOTTOM: black 2px solid"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="top" width="35%"><font size="1" style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Capital Adequacy</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center">
<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;<font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">September 30,</font> </font></div>

<div><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">2011</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Required to be</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: center"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Actual Ratio</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td colspan="2" nowrap valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">well capitalized</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="PADDING-BOTTOM: 2px; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr bgcolor="white">
<td colspan="16" nowrap valign="bottom" width="82%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Total capital to risk-weighted assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">14.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">10.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="white">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Tier 1 capital to risk-weighted assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">12.8</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">6.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
</tr><tr valign="bottom" bgcolor="#ccffcc">
<td nowrap valign="bottom" width="35%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Tier 1 capital to adjusted average assets</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">9.1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">5.0</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font size="1" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">%</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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