<SEC-DOCUMENT>0001213900-20-034134.txt : 20201030
<SEC-HEADER>0001213900-20-034134.hdr.sgml : 20201030
<ACCEPTANCE-DATETIME>20201030112713
ACCESSION NUMBER:		0001213900-20-034134
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20201029
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201030
DATE AS OF CHANGE:		20201030

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SB FINANCIAL GROUP, INC.
		CENTRAL INDEX KEY:			0000767405
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341395608
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36785
		FILM NUMBER:		201275764

	BUSINESS ADDRESS:	
		STREET 1:		401 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4197838930

	MAIL ADDRESS:	
		STREET 1:		401 CLINTON STREET
		STREET 2:		PO BOX 467
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RURBAN FINANCIAL CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>ea129126-8k_sbfinancial.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNITED
STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
Washington, D.C. 20549</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FORM
8-K</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 0 auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CURRENT
REPORT<BR>
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date
of Report (Date of earliest event reported) <U>October 30, 2020 (October 29, 2020)</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<DIV STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0in 0in 1pt; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
FINANCIAL GROUP, INC</FONT></P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Exact
name of registrant as specified in its charter)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ohio</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding: 0 0 1.5pt; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0-13507</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding: 0 0 1.5pt; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34-1395608</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(State
    or other jurisdiction <BR>
    of incorporation)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Commission</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">File
        Number)</FONT></P></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(IRS
                                         Employer</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identification
        No.)</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: center; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">401
    Clinton Street, Defiance, OH</FONT></TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: center; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: center; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43512</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Address
    of principal executive offices)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Zip
    Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Registrant&rsquo;s
telephone number, including area code <U>(419) 783-8950</U></FONT></P>

<DIV STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0in 0in 1pt; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not
Applicable</FONT></P>

</DIV>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Former
name or former address, if changed since last report.)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Check
the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2. below):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#9744; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#9744; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#9744; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#9744; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
registered pursuant to Section 12(b) of the Act:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title
    of each class</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trading
    symbol(s)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 32%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name
    of each exchange on which registererd</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Common Shares, No Par Value</P>

<P STYLE="margin: 0; font: 10pt Times New Roman, Times, Serif">7,546,804 Outstanding at October 30, 2020</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SBFG</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
                                         NASDAQ Stock Market, LLC</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(NASDAQ
        Capital Market)</FONT></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405
of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Emerging
growth company &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Item
2.02. Results of Operations and Financial Condition</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
October 29, 2020, SB Financial Group, Inc. (the &ldquo;Company&rdquo;) issued a news release reporting financial results for the
third quarter 2020. A copy of the October 29, 2020 news release is furnished as Exhibit 99.1 and is incorporated herein by reference.</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be &ldquo;filed&rdquo;
for purposes of Section 18 of the Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) or otherwise subject to the
liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement
or other document filed under the Securities Act of 1933 or the Exchange Act, except as otherwise stated in such filing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Item
9.01. Financial Statements and Exhibits</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)
Not Applicable</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)
Not Applicable</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)
Not Applicable</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-indent: 0.5in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)
Exhibits</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibit&nbsp;No.</FONT></TD>
    <TD STYLE="padding-bottom: 1.5pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0; width: 91%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Description</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><A HREF="ea129126ex99-1_sbfinancial.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">News
    release issued by SB Financial Group, Inc. on October 29, 2020, reporting financial results for the third quarter 2020.</FONT></A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SIGNATURE</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">SB FINANCIAL GROUP, INC.</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; width: 60%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; width: 4%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0; width: 36%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="padding: 0 0 1.5pt; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dated:&nbsp;&nbsp;October
    30, 2020</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0 0 1.5pt; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Anthony V. Cosentino</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony
    V. Cosentino</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief
    Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">INDEX
TO EXHIBITS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current
Report on Form 8-K</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dated
October 30, 2020</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
Financial Group, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibit&nbsp;No.</FONT></TD>
    <TD STYLE="padding-bottom: 1.5pt; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left; font: 10pt Times New Roman, Times, Serif; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0; width: 91%; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Description</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><A HREF="ea129126ex99-1_sbfinancial.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">News
    release issued by SB Financial Group, Inc. on October 29, 2020, reporting financial results for the third quarter 2020.</FONT></A></TD></TR>
</TABLE>

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<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">3</P>

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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ea129126ex99-1_sbfinancial.htm
<DESCRIPTION>NEWS RELEASE ISSUED BY SB FINANCIAL GROUP, INC. ON OCTOBER 29, 2020, REPORTING FINANCIAL RESULTS FOR THE THIRD QUARTER 2020
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="ex99-1_001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SB
Financial Group Announces Third Quarter 2020 Results</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>DEFIANCE,
OH, October 29, 2020 -- SB Financial Group, Inc. (NASDAQ: SBFG) </B>(&ldquo;SB Financial&rdquo; or the &ldquo;Company&rdquo;)<B>,
</B>a diversified financial services company providing full-service community banking, mortgage banking, wealth management, private
client and title insurance services today reported earnings for the third quarter and nine months ended September 30, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third
quarter 2020 highlights over prior-year third quarter include:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
                                         income of $5.3 million up $1.5 million or 39.6 percent; diluted earnings per share (&ldquo;EPS&rdquo;)
                                         of $0.69 up $0.21 per share or 43.8 percent </FONT></TD></TR>                                                                                                      <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
                                         net income, excluding for the impact of the Originated Mortgage Servicing Rights (&ldquo;OMSR&rdquo;)
                                         recapture of $0.3 million, of $5.0 million, with adjusted EPS of $0.65 </FONT></TD></TR>                                                                                                                                 <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage
                                         origination volume of $200.2 million, an increase of $42.2 million, or 26.7 percent</FONT></TD></TR>                                                                                                                                             <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-tax,
                                         pre-provision income of $8.3 million up $2.5 million or 43.2 percent</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
nine months ended September 30, 2020, highlights over the prior-year nine months include:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
                                         income of $9.6 million; diluted EPS of $1.25</FONT></TD></TR>                                                                                                      <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
                                         net income, excluding the impact of OMSR and merger costs of $3.3 million after- tax,
                                         rose to $12.9 million, up $3.2 million or 32.9 percent, with adjusted EPS of $1.67 </FONT></TD></TR>                                                                                                                                             <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return
                                         on Average Assets (&ldquo;ROA&rdquo;) of 1.12 percent; adjusted ROA of 1.41 percent</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third
quarter 2020 trailing twelve-month highlights include:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan
                                         growth of $62.5 million, or 7.6 percent, which includes Paycheck Protection Program (&ldquo;PPP&rdquo;)
                                         loan balances of $82.1 million and loans acquired in the Edon acquisition of $15.7 million.</FONT></TD></TR>                                                                                                                                                     <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit
                                         growth of $166.1 million, or 19.6 percent, driven by PPP balances and the Edon acquisition</FONT></TD></TR>                                                                                                                                                    <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage
                                         origination volume of $662.7 million; servicing portfolio of $1.29 billion, which is
                                         up $140.0 million, or 12.1 percent</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt 10pt; font-weight: bold; text-indent: -10pt">Highlights</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: center; font-weight: bold">Three Months Ended</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: center; font-weight: bold">Nine Months Ended</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">($ in thousands, except per share &amp; ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">%&nbsp;Change</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">%&nbsp;Change</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; width: 28%; text-align: left; text-indent: -10pt">Operating revenue</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">19,677</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">14,424</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">36.4</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">47,873</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">38,287</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">25.0</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Interest income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">10,807</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">11,546</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">-6.4</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">32,046</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">33,195</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">-3.5</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Interest expense</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,548</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">2,488</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">-37.8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">5,367</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">6,965</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">-22.9</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Net interest income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9,259</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9,058</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">2.2</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">26,679</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">26,230</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.7</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Provision for loan losses</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,800</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">300</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">500.0</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">3,700</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">500</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">640.0</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Noninterest income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">10,418</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">5,366</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">94.1</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">21,194</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">12,057</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">75.8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Noninterest expense</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">11,335</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9,500</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">19.3</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">32,403</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">27,234</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">19.0</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Net income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">5,250</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">3,762</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">39.6</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9,586</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8,615</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">11.3</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-indent: -10pt">Earnings per diluted share</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">0.69</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">0.48</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">43.8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.25</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.08</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">15.7</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Return on average assets</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.73</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.44</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">20.1</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.12</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.13</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">-0.9</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Return on average equity</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">15.01</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">11.24</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">33.5</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9.74</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8.67</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">12.3</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; font-weight: bold; text-align: left; text-indent: -10pt">Non-GAAP Measures</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Adjusted net income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">4,992</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">3,762</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">32.7</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">12,916</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">9,720</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">32.9</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Adjusted diluted EPS</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">0.65</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">0.48</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">35.4</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.67</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.22</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">36.9</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Adjusted return on average assets</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.64</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.44</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">13.9</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.41</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1.23</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">14.6</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-align: left; text-indent: -10pt">Adjusted pre-tax, pre-provision income</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8,016</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">4,924</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">62.8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">19,685</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">12,451</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">58.1</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&ldquo;Mortgage
volume continued its strong growth in the third quarter, which resulted in our net income rising from the prior year by over 40
percent.&rdquo; said Mark A. Klein, Chairman, President, and CEO of SB Financial. &ldquo;Our revenue diversification strategy
continues to drive EPS and tangible book value growth despite the headwinds that the economy is facing in all of our markets.
We continued to return capital to our shareholders in the quarter through stock buybacks and a cash dividend of nearly 15 percent
of earnings.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>RESULTS
OF OPERATIONS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Consolidated
Revenue</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
operating revenue, consisting of net interest income and noninterest income, was up 36.4 percent from the third quarter of 2019,
and up 12.5 percent to the linked quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
                                         interest income was up 2.2 percent from the year-ago quarter, and up 4.4 percent from
                                         the linked quarter. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
                                         interest margin on a fully taxable equivalent basis (FTE) was down from the year-ago
                                         quarter by 52 basis points but up 9 basis points from the linked quarter as transactional
                                         cash balances were higher and PPP loans made marginal contribution. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; width: 0.25in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest
                                         income was up 94 percent year over year and 21 percent from the linked quarter. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mortgage
Loan Business</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage
loan originations for the third quarter of 2020 were $200.2 million, up $42.2 million, or 26.7 percent, from the year-ago quarter.
Total sales of originated loans were $166.2 million, up $40.8 million, or 32.6 percent. For the first nine months, SB Financial
had total volume of $525.2 million, of which $210.2 million (40 percent) was new purchase/construction lending, $169.2 million
(32 percent) was internal refinance, and the remaining $145.8 million (28 percent) was new customer refinance volume.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
mortgage banking revenue, consisting of gains on the sale of mortgage loans and net loan servicing fees, was $7.9 million for
the third quarter of 2020, compared to $2.5 million for the year-ago quarter. The mortgage servicing valuation adjustment for
the third quarter of 2020 was a positive $0.3 million, compared to no adjustment for the third quarter of 2019. For the first
nine months, the impairment on servicing rights was $3.0 million, compared to $1.4 million for the prior year nine months. The
aggregate servicing valuation impairment ended the quarter at $4.3 million. The servicing portfolio at September 30, 2020, was
$1.29 billion up $140.0 million or 12.1 percent, from $1.15 billion at September 30, 2019. Normal amortization is up 87 percent
from the prior year due to higher refinance activity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Klein noted, &ldquo;Mortgage volume was steady in the quarter as we originated over $200 million in volume. In addition to strong
origination levels, our pricing and hedging strategies enabled us to deliver additional mortgage banking revenue of $5.4 million
or a year over year increase of over 200 percent. We were also pleased to recapture a small amount of our prior quarter&rsquo;s
impairment on our servicing rights.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; font-weight: bold; text-indent: 0">Mortgage Banking</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">($ in thousands)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Jun. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Mar. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Dec. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold">Sep. 2019</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; width: 40%; text-align: left; text-indent: 0">Mortgage originations</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">200,158</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">223,671</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">101,365</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">137,528</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; width: 1%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">$</TD><TD STYLE="padding: 0; width: 9%; text-align: right; text-indent: 0">157,947</TD><TD STYLE="padding: 0; width: 1%; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Mortgage sales</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">166,201</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">204,628</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">84,476</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">127,441</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">125,386</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Mortgage servicing portfolio</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,293,037</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,261,746</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,216,292</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,199,107</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">1,153,020</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Mortgage servicing rights</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8,535</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8,168</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8,974</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">11,017</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">10,447</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0; font-weight: bold; text-align: left; text-indent: 0">Mortgage servicing revenue</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Loan servicing fees</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">813</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">782</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">757</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">740</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">709</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">OMSR amortization</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(1,308</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(1,574</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(597</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(709</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(701</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Net administrative fees</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">(495</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">(792</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">160</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">31</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">OMSR valuation adjustment</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">326</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(1,088</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">(2,212</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">303</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">-</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">Net loan servicing fees</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">(169</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">(1,880</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">(2,052</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">334</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: right; text-indent: 0">8</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">Gain on sale of mortgages</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">8,085</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">8,119</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">1,949</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">3,048</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">2,495</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">Mortgage banking revenue, net</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: left; text-indent: 0">$</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: right; text-indent: 0">7,916</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: left; text-indent: 0">$</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: right; text-indent: 0">6,239</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: left; text-indent: 0">$</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: right; text-indent: 0">(103</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">)</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: left; text-indent: 0">$</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: right; text-indent: 0">3,382</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: left; text-indent: 0">$</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; padding-right: 0; padding-left: 0; font-weight: bold; text-align: right; text-indent: 0">2,503</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Noninterest
Income and Noninterest Expense</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
Financial&rsquo;s noninterest income includes revenue from a diverse group of services, such as wealth management, deposit fees,
residential loan sales and the sale of Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) loans. Wealth
management assets under the Company&rsquo;s care were $522.4 million as of September 30, 2020, up $38.1 million or 7.9 percent
compared to the prior year. For the third quarter of 2020, noninterest income as a percentage of total operating revenue was 52.9
percent. Reflective of the robust mortgage market, SB Financial&rsquo;s Title Agency provided revenue in the quarter of $0.5 million,
up 29 percent from the prior year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the third quarter of 2020, noninterest expense of $11.3 million was up $1.8 million year over year or 19.3 percent reflecting
a 1.9 times positive operating leverage. On a year-to-date basis, when adjusted for the Edon merger costs, noninterest expense
is up 14.4 percent compared to the prior year nine-month period. Operating leverage for the year is a positive 1.3 times, which
will improve to 1.7 times when the merger costs are removed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Klein stated, &ldquo;Revenue growth was up over 36 percent from the prior year compared to operating expense growing 19 percent.
We had the lowest net, noninterest expense to average assets in our history this quarter and the significant positive operating
leverage was key to our earnings growth. We remain optimistic that the consumer and business momentum from this quarter will continue
into the fourth quarter and translate into improved loan pipelines.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0; text-indent: 0">Noninterest Income / Noninterest Expense</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">($ in thousands, except ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Jun. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Mar. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Dec. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Sep. 2019</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; width: 40%; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Noninterest Income (NII)</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">10,418</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">8,615</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,161</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5,959</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5,366</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">NII / Total Revenue</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">52.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">49.3</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.2</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">40.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">37.2</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">NII / Average Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.4</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.8</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2.3</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2.1</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Revenue Growth</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">36.4</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">39.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-5.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">16.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-1.2</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Noninterest Expense (NIE)</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">11,335</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">11,662</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">9,406</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">10,176</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">9,500</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Efficiency Ratio</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">57.5</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">66.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">87.8</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">69.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">65.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">NIE / Average Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">4.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.5</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Net Noninterest Expense/Avg. Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-0.3</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-1.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-2.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-1.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-1.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Expense Growth</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">19.3</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">28.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">9.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">15.0</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.2</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Operating Leverage</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.9</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.4</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-0.6</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.1</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-0.2</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance
Sheet</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
assets as of September 30, 2020, were $1.22 billion, up $175.5 million, or 16.8 percent, from the year ago quarter due to the
impact of the Edon acquisition and the PPP activity. Total equity as of September 30, 2020, was $141.3 million, up 5.3 percent
from a year ago, and comprised 11.6 percent of total assets.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
loans held for investment were $885.9 million at September 30, 2020, up $62.5 million, or 7.6 percent, from September 30, 2019.
Commercial loans were up $71.5 million, or 49.3 percent, commercial real estate up $9.4 million or 2.6 percent and agricultural
loans increasing $5.5 million or 10.5 percent. Absent the effects of the Edon acquisition and PPP loans, loan balances were down
$35.4 million from the year ago quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
investment portfolio of $135.6 million, including shares in the Federal Reserve Bank and Federal Home Loan Bank, represented 11.1
percent of assets at September 30, 2020, and was up 66.0 percent from the year-ago period. Deposit balances of $1.01 billion at
September 30, 2020, increased by $166.1 million, or 19.6 percent, since September 30, 2019. Growth from the prior year included
$104.7 million in checking and $61.4 million in savings and time deposit balances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mr.
Klein continued, &ldquo;Asset quality was largely stable in the quarter. Our number and dollar of loans on forbearance were down
60 and 75 percent respectively from the linked quarter. We are encouraged by these trends but we also understand that further
weakness is possible. To prepare for these unknowns, we decided to allocate some of our higher than expected mortgage revenue
into provision this quarter. We expect to begin the PPP forgiveness process in the fourth quarter, which will help all of our
700 PPP clients who were impacted by the pandemic.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0; text-indent: 0">Loan Balances</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">($ in thousands, except ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Sep. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Jun. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Mar. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Dec. 2019</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Sep. 2019</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Annual&nbsp;Growth</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; width: 28%; padding-left: 0; padding-right: 0; text-indent: 0">Commercial</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">216,667</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">222,108</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">151,538</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">151,018</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">145,147</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">71,520</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">24.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">24.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">18.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">18.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">17.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">49.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Commercial RE</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">371,947</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">375,450</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">378,212</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">369,962</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">362,580</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">9,367</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">42.0</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">41.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">45.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">44.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">44.0</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">Agriculture</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">57,420</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">58,817</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">47,660</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">50,994</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">51,946</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5,474</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">10.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Residential RE</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">178,393</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">184,684</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">189,738</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">189,290</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">199,036</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-20,643</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">22.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">22.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">24.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-10.4</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Consumer &amp; Other</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">61,423</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">60,489</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">63,616</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">64,246</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">64,658</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-3,235</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-5.0</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">Total Loans</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">885,850</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">901,548</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">830,764</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">825,510</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">823,367</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">62,483</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">Total Growth Percentage</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7.6</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD></TR>
</TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0; text-indent: 0">Deposit Balances</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">($ in thousands, except ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Sep. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Jun. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Mar. 2020</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Dec. 2019</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Sep. 2019</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="text-align: center; padding: 0 0 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0">Annual&nbsp;Growth</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; width: 28%; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Non-Int DDA</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">225,003</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">229,042</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">170,920</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">158,357</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">152,932</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">72,071</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">22.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">23.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">19.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">18.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">18.0</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">47.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Interest DDA</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">164,248</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">154,143</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">133,722</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">131,084</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">131,655</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">32,593</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">16.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">15.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">15.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">15.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">15.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">24.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">Savings</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">169,474</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">161,182</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">138,863</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">119,359</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">121,991</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">47,483</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">16.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">16.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">16.0</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">14.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">14.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">38.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Money Market</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">204,862</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">189,380</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">169,209</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">173,666</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">173,237</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">31,625</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.2</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">19.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">19.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">20.4</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">18.3</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Time Deposits</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">250,428</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">256,840</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">251,177</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">257,753</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">268,139</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(17,711</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1.5pt 0.125in; text-indent: 0">% of Total</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">24.7</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">25.9</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">29.1</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">30.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">31.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 1.5pt solid; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-6.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">Total Deposits</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,014,015</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">990,587</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">863,891</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">840,219</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">847,954</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; font-weight: bold; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">166,061</TD><TD STYLE="padding: 0 0 4pt; font-weight: bold; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">Total Growth Percentage</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; border-bottom: Black 4pt double; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; border-bottom: Black 4pt double; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">19.6</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Asset
Quality</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
Financial reported nonperforming assets of $7.3 million as of September 30, 2020, up $2.7 million from the year-ago quarter. The
coverage of nonperforming loans by the loan loss allowance was at 164 percent at September 30, 2020, down from 207 percent at
September 30, 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 10pt; text-indent: -10pt">Nonperforming Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; text-indent: 0">($ in thousands, except ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Jun. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Mar. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Dec. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Sep. 2019</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; padding-right: 0; padding-left: 0; text-align: center; font-weight: bold">Annual&nbsp;Change</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; width: 28%; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Commercial &amp; Agriculture</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,140</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,204</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,309</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,772</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">834</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">306</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total Com./Ag. loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.42</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.43</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.66</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.88</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.42</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">36.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Commercial RE</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,475</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,484</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,816</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,826</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">262</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,213</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total CRE loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.67</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.66</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.48</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.49</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.07</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">844.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Residential RE</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,481</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,538</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,330</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,635</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,763</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">718</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total Res. RE loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.39</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.37</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1.23</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.86</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.89</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">40.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Consumer &amp; Other</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">313</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">308</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">327</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">267</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">416</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(103</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total Con./Oth. loans</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.51</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.51</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.51</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.42</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.64</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-24.8</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Total Nonaccruing Loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,409</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,534</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5,782</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">5,500</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3,275</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3,134</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.72</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.72</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.70</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.67</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.40</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">95.7</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Accruing Restructured Loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">789</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">804</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">816</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">874</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">825</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(36</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">Total Change (%)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-4.4</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Total Nonaccruing &amp; Restructured Loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7,198</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7,338</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,598</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,374</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">4,100</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">3,098</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total loans</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.81</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.81</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.79</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.77</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.50</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">75.6</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Foreclosed Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">76</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">382</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">85</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">305</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">489</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(413</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">Total Change (%)</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-84.5</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Total Nonperforming Assets</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7,274</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">7,720</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,683</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">6,679</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">4,589</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">2,685</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0.25in; padding-right: 0; text-indent: -10pt">% of Total assets</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.60</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.64</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.61</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.64</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">0.44</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">58.5</TD><TD STYLE="padding: 0 0 4pt; text-align: left; text-indent: 0">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 5; Value: 1 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company continued to provide payment relief to clients as needed, with total forbearance as of September 30, 2020 of 204 loans
at $80.7 million. The detail on these deferrals; 19 commercial at $36.4 million down $106.3 million or 74.5%, 7 portfolio residential
and consumer at $2.0 million down $8.6 million or 81.3 percent and 178 sold residential real estate at $42.3 million up $0.6 million
or 1.4 percent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 1.5pt; text-indent: 0"><B>Loans in Deferral Status</B><BR>
    ($ in thousands, except ratios)</TD><TD STYLE="padding: 0 0 1.5pt; font-weight: bold; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Sep. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; font-weight: bold; padding-right: 0; padding-left: 0">Jun. 2020</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center; padding-top: 0; padding-right: 0; padding-left: 0"><B>Linked Qtr. Change</B></TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; width: 64%; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Commercial</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">36,366</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">142,682</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; width: 1%; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; width: 9%; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(106,316</TD><TD STYLE="padding-top: 0; width: 1%; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Consumer</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">28</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">350</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(322</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">Total Portfolio Mortgage</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">1,959</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">10,274</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(8,315</TD><TD STYLE="padding: 0 0 1.5pt; text-align: left; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Balance Sheet Deferrals</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">38,353</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">153,306</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">(114,953</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0; padding-left: 0; padding-right: 0; text-indent: 0">% of Total loans</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">4.33</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">17.00</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">-12.68</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Total Sold Mortgage</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">42,317</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">41,751</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">$</TD><TD STYLE="padding-top: 0; text-align: right; padding-right: 0; padding-left: 0; text-indent: 0">566</TD><TD STYLE="padding-top: 0; text-align: left; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; text-align: left"><B>Commercial High Sensitivity<BR>
    Portfolio Update</B><BR>
    ($ in thousands, except ratios)</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center">Sep. 2020</TD><TD STYLE="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center">Jun. 2020</TD><TD STYLE="padding-bottom: 1.5pt; text-align: center; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: center"><B>Linked Qtr. Change</B></TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 64%; text-align: left">Hotel/Travel Accomodation</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">32,475</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">32,758</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">(283</TD><TD STYLE="width: 1%; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Food Service/Restaurant</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9,698</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,480</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(782</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Elder/Child Care</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,188</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,302</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(114</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Arts/Entertainment/Recreation</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,614</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,698</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">916</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Education/Religious</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13,412</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,083</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,671</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1.5pt">Energy</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Total</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">69,387</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">71,321</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(1,934</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>% of Total loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.83</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.91</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-0.08</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Webcast
and Conference Call</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.75pt 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company will hold a related conference call and webcast on October 30, 2020, at 11:00 a.m. EDT. Interested parties may access
the conference call by dialing 1-888-338-9469. The webcast can be accessed at ir.yourstatebank.com. An audio replay of the call
will be available on the Company&rsquo;s website.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 5.75pt 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>About
SB Financial Group</B> &#9;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Headquartered
in Defiance, Ohio, SB Financial is a diversified financial services holding company for the State Bank &amp; Trust Company (State
Bank) and SBFG Title, LLC dba Peak Title (Peak Title). State Bank provides a full range of financial services for consumers and
small businesses, including wealth management, private client services, mortgage banking and commercial and agricultural lending,
operating through a total of 22 offices; 21 in nine Ohio counties and one in Fort Wayne, Indiana, and 23 full-service ATMs. State
Bank has five loan production offices located throughout the Tri-State region of Ohio, Indiana and Michigan. Peak Title provides
title insurance and opinions throughout the Tri-State region. SB Financial&rsquo;s common stock is listed on the NASDAQ Capital
Market under the symbol &ldquo;SBFG&rdquo;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
May 2020, SB Financial was ranked #125 on the American Banker Magazine&rsquo;s list of Top 200 Publicly Traded Community Banks
and Thrifts based on three-year average return on equity (&ldquo;ROE&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Forward-Looking
Statements</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
statements within this document, which are not statements of historical fact, constitute forward-looking statements within the
meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties and
actual results may differ materially from those predicted by the forward-looking statements. These risks and uncertainties include,
but are not limited to, the duration and scope of the COVID-19 outbreak in the United States and the market areas in which SB
Financial and its subsidiaries operate, including the impact to the state and local economies of prolonged shelter in place orders
and the pandemic generally, risks and uncertainties inherent in the national and regional banking industry, changes in economic
conditions in the market areas in which SB Financial and its subsidiaries operate, changes in policies by regulatory agencies,
changes in accounting standards and policies, changes in tax laws, fluctuations in interest rates, demand for loans in the market
areas in SB Financial and its subsidiaries operate, increases in FDIC insurance premiums, changes in the competitive environment,
losses of significant customers, geopolitical events, the loss of key personnel and other risks identified in SB Financial&rsquo;s
Annual Report on Form 10-K and documents subsequently filed by SB Financial with the Securities and Exchange Commission. Forward-looking
statements speak only as of the date on which they are made, and SB Financial undertakes no obligation to update any forward-looking
statement to reflect events or circumstances after the date on which the statement is made, except as required by law. All subsequent
written and oral forward-looking statements attributable to SB Financial or any person acting on its behalf are qualified by these
cautionary statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Non-GAAP
Financial Measures</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting
principles (&ldquo;GAAP&rdquo;). Non-GAAP financial measures, specifically pre-tax, pre-provision income, tangible common equity,
tangible assets, tangible book value per common share, tangible common equity to tangible assets, return on average tangible common
equity, total interest income &ndash; FTE, net interest income &ndash; FTE and net interest margin &ndash; FTE are used by the
Company&rsquo;s management to measure the strength of its capital and analyze profitability, including its ability to generate
earnings on tangible capital invested by its shareholders. In addition, the Company excludes the non-GAAP items of OMSR impairment
and merger related costs from net income to report an adjusted net income level. Although management believes these non-GAAP measures
are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial
measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be
presented by other companies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Investor
Contact Information:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mark
A. Klein</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman,
President and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief
Executive Officer</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mark.Klein@YourStateBank.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony
V. Cosentino</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
Vice President and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief
Financial Officer</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tony.Cosentino@YourStateBank.com</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">###</FONT></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
