<SEC-DOCUMENT>0000939057-20-000224.txt : 20200511
<SEC-HEADER>0000939057-20-000224.hdr.sgml : 20200511
<ACCEPTANCE-DATETIME>20200511130604
ACCESSION NUMBER:		0000939057-20-000224
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20200507
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200511
DATE AS OF CHANGE:		20200511

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RIVERVIEW BANCORP INC
		CENTRAL INDEX KEY:			0001041368
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911838969
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		20863849

	BUSINESS ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
		BUSINESS PHONE:		360-693-6650

	MAIL ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>8k572020.htm
<TEXT>
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    <div style="text-align: center; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">Washington, D.C. 20549</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">FORM 8-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">CURRENT REPORT</div>
    <div style="text-align: center; font-weight: bold;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center;">Date of Report (Date of earliest event reported): <font style="font-weight: bold;">May 7,
        2020</font></div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">RIVERVIEW BANCORP, INC.</div>
    <div style="text-align: center;">(Exact name of registrant as specified in its charter)</div>
    <div><br>
    </div>
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        <tr>
          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-weight: bold;">Washington</div>
          </td>
          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-weight: bold;">000-22957</div>
          </td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 32%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-weight: bold;">91-1838969</div>
          </td>
        </tr>
        <tr>
          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 30%; vertical-align: top;">
            <div style="text-align: center;">(State or other jurisdiction</div>
            <div style="text-align: center;">of incorporation)</div>
          </td>
          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 31%; vertical-align: top;">
            <div style="text-align: center;">(Commission</div>
            <div style="text-align: center;">File Number)</div>
          </td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 32%; vertical-align: top;">
            <div style="text-align: center;">(I.R.S. Employer</div>
            <div style="text-align: center;">Identification No.)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
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          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 67.04%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-weight: bold;">900 Washington Street, Suite 900, Vancouver, Washington</div>
          </td>
          <td style="width: 3.18%; vertical-align: top;">&#160;</td>
          <td style="width: 27.31%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-weight: bold;">98660</div>
          </td>
        </tr>
        <tr>
          <td style="width: 2.47%; vertical-align: top;">&#160;</td>
          <td style="width: 67.04%; vertical-align: top;">
            <div style="text-align: center;">(Address of principal executive offices)</div>
          </td>
          <td style="width: 3.18%; vertical-align: top;">&#160;</td>
          <td style="width: 27.31%; vertical-align: top;">
            <div style="text-align: center;">(Zip Code)</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center;">Registrant&#8217;s telephone number, including area code:&#160; <font style="font-weight: bold;">(360)
        693-6650</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zd02e2b3d232a40f79eebffd1d1ffeb6d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: justify;">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.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt;">[ ]<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 18pt"> </font>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt;">[ ]&#160;&#160;&#160;&#160;&#160;&#160;&#160; Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
                240.14a-12)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt;">[ ]&#160;&#160;&#160;&#160;&#160;&#160;&#160; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</div>
            <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt;">&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; (17 CFR 240.14d-2(b))</div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;">
            <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt;">[ ]&#160;&#160;&#160;&#160;&#160;&#160;&#160; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</div>
            <div style="text-align: justify; margin-left: 18pt;">&#160;&#160;&#160; (17 CFR 240.13e-4(c))</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>Securities registered pursuant to Section 12(b) of the Act:</div>
    <div> <br>
    </div>
    <div>
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          <tr>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div><font style="font-family: 'Times New Roman',Times,serif;">&#160;&#160;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt;">&#160;</font><font style="font-family: 'Times New Roman',Times,serif;">&#160; </font><font style="font-family: 'Times New Roman',Times,serif;">Title of each class&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; </font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt;">&#160;</font> <br>
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            </td>
            <td style="width: 2%; text-align: center; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div><font style="font-family: 'Times New Roman',Times,serif;">&#160; &#160; Trading Symbol(s)</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt;">&#160;</font> <br>
              </div>
            </td>
            <td style="width: 2%; text-align: center; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;<font style="font-family: 'Times New Roman',Times,serif;">Name of each exchange on which registered</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom;">
              <div>Common Stock, Par Value $0.01 per share <br>
              </div>
            </td>
            <td style="width: 2%; text-align: center; vertical-align: bottom;" colspan="1">&#160;</td>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom;">
              <div>RVSB<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt;">&#160;</font> <br>
              </div>
            </td>
            <td style="width: 2%; text-align: center; vertical-align: bottom;" colspan="1">&#160;</td>
            <td style="width: 33.33%; text-align: center; vertical-align: bottom;">
              <div>&#160;The NASDAQ Stock Market LLC</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify;">&#160; </div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter)
      or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>
    <div><br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;">Emerging growth company [ ]</div>
    <div><br>
    </div>
    <div style="text-align: justify;">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. [ ]</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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    </div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 2.02 Results of Operations and Financial Condition.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">On May 7, 2020, Riverview Bancorp, Inc. issued its earnings release for the quarter and year ended March 31, 2020.&#160; A copy of the press
      release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 9.01&#160; Financial Statements and Exhibits.</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 36pt;">(d)<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;&#160;&#160;&#160;&#160; </font>Exhibits</div>
    <div><br>
    </div>
    <div style="text-align: justify;">The following exhibit is being furnished herewith and this list shall constitute the exhibit index:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><a href="ex991572020.htm">99.1</a><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font><a href="ex991572020.htm">News Release of
        Riverview Bancorp, Inc. dated May 7, 2020.</a></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    </div>
    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">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.</div>
    <div style="text-align: justify; text-indent: 36pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="z1b758e06805741ffbfb6ace43c513818">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>RIVERVIEW BANCORP, INC.&#160; <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>Date:&#160; May 7, 2020<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font> <br>
              </div>
            </td>
            <td style="width: 50.00%;">
              <div><u>/S/ David Lam &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; </u><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font> <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>David Lam <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>Chief Financial Officer <br>
              </div>
              <div> (Principal Financial Officer)</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex991572020.htm
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.1</font><br>
  </div>
  <div style="text-align: right;"><font style="font-weight: bold;"> <br>
    </font></div>
  <div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="zded61e4227bc47c99487397d18fbfe23">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;
                <div style="text-align: left;"><img width="320" height="94" src="image1.jpg"></div>
              </div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;<br>
                <div style="text-align: right;"><img width="172" height="41" src="image0.jpg"></div>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>&#160;</div>
              <div>&#160;Contact:&#160;&#160;&#160;&#160;&#160;&#160; Kevin Lycklama or David Lam
                <div style="text-align: left; text-indent: 54pt;">Riverview Bancorp, Inc. 360-693-6650</div>
                <div style="text-align: left; text-indent: 54pt;"> <br>
                </div>
              </div>
            </td>
            <td style="width: 50%; border-bottom: 4px double rgb(0, 0, 0);">
              <div>&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <br>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Riverview Bancorp Reports Fourth Quarter and Fiscal Year 2020 Results</div>
    <div style="text-align: center;"><font style="font-size: 12pt; font-weight: bold;">Highlighted by Strong Loan and Deposit Growth<br>
        </font><br>
    </div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Vancouver, WA &#8211; May 7, 2020 - Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (&#8220;Riverview&#8221; or the &#8220;Company&#8221;) today reported
      earnings of $2.9 million, or $0.13 per diluted share for the fourth fiscal quarter ended March 31, 2020, compared to $4.1 million, or $0.18 per diluted share, in the preceding quarter, and $4.2 million, or $0.19 per diluted share, in the fourth
      fiscal quarter a year ago. For fiscal 2020, earnings were $15.7 million, or $0.69 per diluted share, compared to $17.3 million, or $0.76 per diluted share, in fiscal 2019.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">&#8220;The COVID-19 pandemic has proven to be an unprecedented time globally, nationally and in the market areas we serve,&#8221;
      stated Kevin Lycklama, president and chief executive officer. &#8220;Our team achieved solid operating results in fiscal 2020, driven by organic loan growth, excellent asset quality and improved operating efficiencies. Our fourth quarter earnings reflect
      the early impact of the pandemic and its effect on our communities.&#8221;</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">&#8220;Above all else, the safety of our customers and employees is our top priority and we began implementing our pandemic
      response plan in early March to reduce the risk of exposure and spread of COVID-19,&#8221; noted Lycklama. &#8220;In mid-March, our lobby access was restricted at all branches and we actively encouraged the use of drive-up services, ATMs, online banking and call
      center operations. Approximately 40% of our staff is working remotely, and we will continue with this structure until the mandated Stay-At-Home orders have been lifted by the States of Washington and Oregon.&#8221;</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Below are some of the impacts of the pandemic related to Riverview&#8217;s operations:</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div style="margin-left: 18pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify;"><font style="font-weight: bold;">Industry Exposure:</font> The governors of both
                  Washington and Oregon have ordered all non-essential businesses to close, mandated Stay-at-Home orders, and closed schools and universities. While the economic impact of these steps is widespread, some industries will be more acutely
                  affected by the current business decline. Riverview&#8217;s loan portfolio exposure to industries most affected by these mandates include: Hotel/Motel ($108.3 million, 11.9% of total loans), Retail Strip Centers ($80.8 million, 8.9% of total
                  loans), Gas Station/Auto Repair ($41.3 million, 4.5% of total loans) and Restaurants/Fast Food ($14.9 million, 1.6%). Loans to these customers are generally secured by real estate and had strong performance heading into the current
                  pandemic. The weighted average loan-to-value and debt service coverage ratio for these portfolios were as follows: Hotel/Motel (54% and 1.93), Retail Strip Centers (52% and 1.63), Gas Station/Auto Repair (52% and 2.55), and
                  Restaurants/Fast Food (57% and 1.46). Riverview also performed a refresh of the stress test on its commercial loan portfolio.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5pt; margin-bottom: 5pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 36pt; vertical-align: top; align: right;">
                <div style="margin-left: 18pt; margin-top: 5pt; margin-bottom: 5pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"><font style="font-weight: bold;">Loan
                    Accommodations:</font> As of May 5, 2020, Riverview had approved payment deferrals for 53 commercial loans that were impacted by the COVID-19 pandemic totaling $125.4 million. In general, the payment deferral period for these loans was
                  90 days. Depending on economic conditions, extensions to the initial payment deferral periods may be necessary. Riverview has received an additional 46 commercial loan modification requests totaling $72.8 million that it is in the process
                  of completing. In addition, 60 consumer and mortgage loans totaling $16.0 million were approved for payment deferrals. Since all of these loans were performing loans that were current on their payments prior to COVID-19, these loan
                  modifications are not considered to be troubled debt restructurings pursuant to provisions contained within the Coronavirus Aid, Relief, and Economic Security Act (&#8220;CARES Act&#8221;).</div>
              </td>
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        </table>
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    <div>
      <div>RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div>May 7, 2020</div>
      <div>Page 2</div>
    </div>
    <div><br>
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    <div><br>
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              <div style="margin-left: 18pt; margin-top: 5pt; margin-bottom: 5pt;"> &#8226;</div>
            </td>
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              <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"><font style="font-weight: bold;">Loan Loss
                  Reserve:</font> Riverview&#8217;s asset quality remained stable during the quarter; however, management determined a $1.3 million provision for loan losses for the quarter ended March 31, 2020 was warranted. The current quarter&#8217;s provision for
                loan losses was due primarily to economic uncertainties associated with the COVID-19 pandemic. The allowance for loan losses was $12.6 million, or 1.38% of total loans, at March 31, 2020.</div>
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              <div style="margin-left: 18pt; margin-top: 5pt; margin-bottom: 5pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"><font style="font-weight: bold;">Paycheck
                  Protection Program (&#8220;PPP&#8221;).</font> On March 27, 2020, Congress passed the CARES Act providing financial relief and support to the economy, including funding for the Small Business Association&#8217;s (&#8220;SBA&#8221;) PPP. Riverview began processing PPP
                loan applications immediately after the program was available and as of May 5<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>, Riverview had obtained approval for 751 loans totaling approximately $115.1 million with an average loan size of $153,000. Of the 751 approved
                loans, 72% were for loans under $100,000 and over 91% for loans under $350,000.&#160; This also included funding for nearly 50 local non-profit organizations.</div>
            </td>
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    </div>
    <div style="text-align: justify; margin-left: 36pt; margin-top: 5pt; margin-bottom: 5pt;">&#8220;The response to the rollout of this program by our staff has been tremendous,&#8221; said Lycklama.&#160; &#8220;I
      would like to thank our employees who worked days, nights and weekends the last several weeks to provide this critical lifeline to our local business and communities. Their efforts secured funding to support nearly 12,000 jobs. As a 96-year-old
      community bank, we are deeply rooted in our communities and we take considerable pride in serving small businesses, which are at the heart of our mission as a community bank.&#8221;</div>
    <div style="text-align: justify; margin-left: 36pt; margin-top: 5pt; margin-bottom: 5pt;">&#8220;Community banks across the nation stepped up when our communities and neighbors needed help,&#8221; said
      Lycklama. &#8220;Banks under $10 billion in assets approved approximately 60% of the loans in the first round of the PPP. I am proud of Riverview&#8217;s performance and our ability to handle as many applications as we did. This program has really highlighted
      the core values and spirit of a community bank. We were able to be flexible, respond quickly and provide the personal attention that our local business partners deserve and have come to expect from Riverview.&#8221;</div>
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            </td>
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              <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"><font style="font-weight: bold;">Liquidity
                  Resources:</font> Riverview is well positioned with adequate levels of cash and liquid assets as of March 31, 2020. In addition to the on-balance sheet liquidity, Riverview has over $300 million of available liquidity through the Federal
                Home Loan Bank and the Federal Reserve Bank.</div>
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    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Fourth Quarter Highlights (at or for the period ended March 31, 2020)</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za6edd4e9870e48dca44e961a19563ab4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: justify;">Net income was $2.9 million, or $0.13 per diluted share.</div>
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    <div>
      <table cellspacing="0" cellpadding="0" id="zae9bd481abe244688a7f2dde47d69cf6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
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              <div style="text-align: justify;">Net interest margin (NIM) remained healthy at 4.10% for the quarter.</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z163c443e1299474aa995d74a0adac86a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Return on average assets was 0.99% and return on average equity was 7.77% for the fourth quarter.</div>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfeef70f4fee64f3bb55b6f6c48c68c48" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Provision for loan losses was $1.3 million for the fourth quarter.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc89763e3fae4414d99fc2b0f1b5c2e85" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Total loans increased $25.0 million during the quarter to $911.5 million. Loan balances increased 4.0% over the last fiscal year.</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf2f79dd7c1b94e678ff9cdd6d3551d80" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Total deposits were $990.4 million at quarter end. Deposit balances increased 7.1% over the last fiscal year.</div>
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    <div>
      <table cellspacing="0" cellpadding="0" id="zfdd878f8eeee45f6bd17f879b152d286" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Asset quality remains strong, with non-performing assets at 0.12% of total assets.</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8477f511edd44f6586e38670474fab98" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Total risk-based capital ratio was 17.01% and Tier 1 leverage ratio was 11.78%.</div>
            </td>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zedf0e5606c01406f8823f6f6dd156238" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Paid a quarterly cash dividend of $0.05 per share, generating a current dividend yield of 4.19% based on the share price at close of market on
                the payment date of April 22, 2020.</div>
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    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7358c1d5f68a455787a327c95b113da5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="margin-left: 18pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Riverview completed its share repurchase program on April 17, 2020, repurchasing 500,000 shares totaling $2.5 million.</div>
            </td>
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      </table>
    </div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 6pt; font-weight: bold;"><u>Income Statement</u></div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Total net revenues were $13.9 million during the quarter compared to $14.7 million in the prior quarter and $14.5
      million in the year ago quarter. For fiscal year 2020, net revenues totaled $58.1 million compared to $58.2 million for fiscal year 2019.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"> <br>
    </div>
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      <div>
        <div style="text-align: left;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
        <div style="text-align: left;">May 7, 2020</div>
        <div style="text-align: left;">Page 3<br>
        </div>
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    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"> <br>
    </div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Return on average assets was 0.99% in the fourth quarter of fiscal year 2020 compared to 1.49% in the fourth quarter
      of fiscal 2019. Return on average equity and return on average tangible equity (non-GAAP) was 7.77% and 9.55%, respectively, compared to 12.98% and 16.50% for the fourth fiscal quarter a year ago.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Net interest income for the quarter was $11.1 million compared to $11.5 million in the preceding quarter and $11.9
      million in the fourth fiscal quarter a year ago. For the fiscal year 2020, net interest income was $45.7 million compared to $47.1 million in fiscal year 2019. The decrease in net interest income for the quarter and the year reflects the volatile
      interest rate environment, with growth in our loan and deposit portfolios offset by rising deposit costs and declining loan yields.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Riverview&#8217;s fourth fiscal quarter NIM (GAAP) was 4.10% compared to 4.23% in the prior quarter and 4.52% in the fourth
      fiscal quarter a year ago. The accretion on purchased loans totaled $65,000 during the current quarter compared to $219,000 during the preceding quarter and $198,000 in the same period a year ago, resulting in a two basis point increase in the NIM
      for the current period compared to an eight basis point increase for the preceding quarter and a seven basis point increase for the same period a year ago. Net fees on loan prepayments were $22,000 for the fourth fiscal quarter of 2020 and did not
      significantly contribute to the current quarter&#8217;s NIM. This compares to $211,000 in net fees on loan prepayments adding eight basis point to NIM in the preceding quarter and $306,000 adding 12 basis points to the NIM in the fourth fiscal quarter a
      year ago. This resulted in a core-NIM (non-GAAP) of 4.08% in the current quarter compared to 4.07% in the preceding quarter and 4.33% in the same quarter a year ago. In fiscal year 2020, Riverview&#8217;s NIM (GAAP) was 4.26% compared to 4.45% in fiscal
      year 2019. Net fees on loan prepayments were $377,000 for the year ended March 31, 2020, which added four basis points to the NIM compared to $603,000 adding six basis points to the NIM for the year ended March 31, 2019.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">&#8220;Our net interest margin contracted during the quarter due primarily to the lower yield on interest-earning assets,&#8221;
      said David Lam, executive vice president and chief financial officer. &#8220;With the current volatile financial markets attributable to the COVID-19 pandemic and the resulting rapid reduction in short term interest rates affecting all banks, we anticipate
      continued pressure on our net interest margin going forward.&#8221;</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Non-interest income was $2.9 million in the fourth fiscal quarter compared to $3.2 million in the third fiscal quarter
      and $2.7 million in the fourth fiscal quarter a year ago. For fiscal 2020, non-interest income increased 11.3% to $12.4 million compared to $11.1 million a year ago. The improvement in non-interest income was primarily driven by an increase in
      service charges and higher asset management fees.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Asset management fees were $1.0 million during the fourth fiscal quarter compared to $1.1 million in the preceding
      quarter and $987,000 in the fourth fiscal quarter a year ago. For fiscal year 2020, asset management fees increased to $4.4 million compared to $3.8 million in fiscal year 2019. Riverview Trust Company&#8217;s assets under management remained stable at
      $1.2 billion at March 31, 2020 compared to three months earlier and increased $591.0 million when compared to March 31, 2019 due primarily to a single large client added during the third quarter of fiscal 2020.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">In the fourth quarter of fiscal 2020, non-interest expense decreased to $8.8 million compared to $9.2 million in the
      preceding quarter. For the full year, non-interest expense was $36.3 million compared to $35.7 million in fiscal 2019. &#8220;We have been able to manage and control our operating expenses throughout fiscal 2020, even with our investments in technology and
      several key hires during the current fiscal year,&#8221; added Lam. The efficiency ratio was 63.3% for the fourth fiscal quarter compared to 63.1% in the preceding quarter and 61.6% in the fourth fiscal quarter a year ago.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Riverview&#8217;s effective tax rate for fiscal year 2020 was 23.5% compared to 23.0% for fiscal year 2019. The increase in
      the effective tax rate is attributable to the apportionment and taxation of conducting business in both Washington and Oregon. Our business continues to grow in the Oregon market, and as a result, we have seen our overall effective tax rate increase.</div>
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      <div>
        <div>RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
        <div>May 7, 2020</div>
        <div>Page 4<br>
        </div>
      </div>
    </div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt; font-weight: bold;"><u>Balance Sheet Review</u></div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Riverview&#8217;s total loans increased $25.0 million during the quarter to $911.5 million compared to $886.5 million three
      months earlier and increased $35.4 million compared to $876.1 million a year ago. Total loans continue to be impacted by an elevated level of paydowns on existing loans; however, the loan pipeline remained healthy at $71.3 million at March 31, 2020
      compared to $64.5 million at the end of the prior quarter. Undisbursed construction loans totaled $25.7 million at March 31, 2020 compared to $36.0 million three months earlier, with the majority of the undisbursed construction loans expected to fund
      over the next several quarters.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Revolving commercial business loan commitments totaled $76.4 million at March 31, 2020.&#160; Utilization on these loans
      totaled 23.7% at March 31, 2020 compared to 23.5% at December 31, 2019.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">The weighted average rate on loan originations during the quarter was 4.16% at March 31, 2020 compared to 4.58% at
      December 31, 2019 and 5.81% at March 31, 2019, reflecting the overall decreasing rate environment.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Deposits totaled $990.4 million at March 31, 2020, unchanged compared to three months earlier, and increased $65.4
      million compared to a year earlier. The increase in deposits year over year was primarily in savings and CD products. &#8220;Deposits increased 7.1% compared to a year ago which help to fund our loan growth and allowed us to pay off our outstanding FHLB
      borrowings,&#8221; said Lam. A year ago, outstanding FHLB advances were $56.6 million. Deposit costs were 0.38% during the fourth quarter and in the preceding quarter compared to 0.10% during the fourth quarter of fiscal 2019. The year over year increase
      in deposit costs was due to pricing pressures and Riverview&#8217;s efforts to remain competitive in its Northwest markets.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Shareholders&#8217; equity increased to $148.8 million at March 31, 2020 compared to $145.8 million three months earlier and
      $133.1 million a year earlier. Tangible book value per share (non-GAAP) increased to $5.37 at March 31, 2020 compared to $5.18 at December 31, 2019 and $4.65 at March 31, 2019. Riverview paid a quarterly cash dividend of $0.05 per share on April 22,
      2020 to shareholders of record on April 9, 2020.</div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt; font-weight: bold;"><u>Credit Quality</u></div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">&#8220;Riverview&#8217;s asset quality metrics improved compared to a year ago; however we are continuously monitoring our loan
      portfolio given the current economic conditions,&#8221; said Lycklama. Non-performing loans totaled $1.4 million, or 0.15% of total loans, at March 31, 2020 compared to $1.5 million, or 0.17% of total loans, at both December 31, 2019 and March 31, 2019.
      Net loan charge offs were $60,000 during the fourth fiscal quarter of 2020 compared to $3,000 in the preceding quarter and $45,000 in the fourth fiscal quarter a year ago.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Classified assets decreased to $1.6 million at March 31, 2020 compared to $3.1 million at December 31, 2019 and $6.3
      million at March 31, 2019. The classified asset to total capital ratio was 1.1% at March 31, 2020 compared to 2.1% three months earlier and 4.5% a year earlier.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">At March 31, 2020, the allowance for loan losses increased to $12.6 million compared to $11.4 million three months
      earlier and $11.5 million one year earlier. As previously stated, the increase in the allowance was due to an increase in loan loss provisions associated with economic uncertainties related to the COVID-19 pandemic and to a lesser extent, the loan
      growth during the quarter. The allowance for loan losses represented 1.38% of total loans at March 31, 2020 compared to 1.29% three months earlier and 1.31% a year earlier. Included in the carrying value of loans are net discounts on the MBank
      purchased loans, which may reduce the need for an allowance for loan losses on these loans because they are carried at an amount below the outstanding principal balance. The remaining net discount on these purchased loans was $1.1 million at March
      31, 2020, unchanged compared to three months earlier.</div>
    <div style="font-weight: bold;"><u>Capital</u></div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Riverview continues to maintain capital levels well in excess of the regulatory requirements to be categorized as
      &#8220;well capitalized&#8221; with a total risk-based capital ratio of 17.01% and a Tier 1 leverage ratio of 11.78% at March 31, 2020. Tangible common equity to average tangible assets ratio (non-GAAP) increased to 10.50% at March 31, 2020.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"> <br>
    </div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;"> <br>
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    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 6pt; font-weight: bold;"><br>
      <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 5<br>
      </div>
    </div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 6pt; font-weight: bold;"><u>Branch Expansion</u></div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Riverview previously announced plans for three new locations in Clark County, Washington, which will provide a
      terrific complement to its existing branch network.&#160; Our new branch in downtown Camas is scheduled to open this summer while our new location in the Cascade Park neighborhood of Vancouver is scheduled to open later this fall. A construction
      moratorium due to COVID-19 has pushed the opening of the new branch location in Ridgefield to early 2021.</div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt; font-weight: bold;"><u>Non-GAAP Financial Measures</u></div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt;">In addition to results presented in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;), this press
      release contains certain non-GAAP financial measures. We believe that certain non-GAAP financial measures provide investors with information useful in understanding the Company&#8217;s financial performance; however, readers of this report are urged to
      review these non-GAAP financial measures in conjunction with GAAP results as reported.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt;">Financial measures that exclude intangible assets are non-GAAP measures. To provide investors with a broader
      understanding of capital adequacy, Riverview provides non-GAAP financial measures for tangible common equity, along with the GAAP measure. Tangible shareholders&#8217; equity is calculated as shareholders&#8217; equity less goodwill and other intangible assets.
      In addition, tangible assets are total assets less goodwill and other intangible assets. We calculate tangible book value per share by dividing tangible shareholders&#8217; equity by the number of common shares outstanding. Riverview also provides a
      non-GAAP measure of net interest margin, along with the GAAP measure. Core net interest margin is calculated as net interest margin less accretion on purchased loans and net fees on loan prepayments. These non-GAAP financial measures have inherent
      limitations, are not required to be uniformly applied and are not audited. Further, the non-GAAP financial measures should not be considered in isolation or as a substitute for book value per share, total shareholders' equity or net interest margin
      as determined in accordance with GAAP and may not be comparable to similarly titled measures reported by other companies. Reconciliations of the GAAP and non-GAAP financial measures are presented below.</div>
    <div><br>
    </div>
    <div style="text-align: justify;">
      <table cellspacing="0" cellpadding="0" border="0" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;" id="z21618be466d64319baffd0f2fd0aa58b">

          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px; width: 55%;">
              <div>(Dollars in thousands)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);">
              <div>Shareholders' equity</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>148,843</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>145,806</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>133,122</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(255, 255, 255);">
              <div>Goodwill</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>Core deposit intangible, net</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>759</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>799</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>920</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; padding-bottom: 4px; background-color: rgb(255, 255, 255);">
              <div>Tangible shareholders' equity</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>121,008</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>117,931</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>105,126</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(255, 255, 255);">
              <div>Total assets</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,180,808</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,184,100</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,156,921</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(204, 238, 255);">
              <div>Goodwill</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>27,076</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div>Core deposit intangible, net</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>759</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>799</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>920</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>Tangible assets</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,152,973</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,156,225</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,128,925</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 55%; background-color: rgb(255, 255, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 12%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;"><u>About Riverview</u></div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt;">Riverview Bancorp, Inc. (www.riverviewbank.com) is headquartered in Vancouver, Washington &#8211; just north of Portland,
      Oregon, on the I-5 corridor. With assets of $1.18 billion at March 31, 2020, it is the parent company of the 96-year-old Riverview Community Bank, as well as Riverview Trust Company. The Bank offers true community banking services, focusing on
      providing the highest quality service and financial products to commercial and retail clients through 18 branches, including 14 in the Portland-Vancouver area, and 3 lending centers. For the past 6 years, Riverview has been named Best Bank by the
      readers of <font style="font-style: italic;">The Vancouver Business Journal</font>, and <font style="font-style: italic;">The
        Columbian</font>.</div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt;"> <br>
    </div>
    <div style="text-align: justify; margin-top: 8pt; margin-bottom: 5pt;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 6<br>
      </div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;"> <br>
      </div>
    </div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt; font-style: italic;">&#8220;Safe Harbor&#8221; statement under the Private Securities Litigation Reform Act of 1995: This press
      release contains forward-looking statements that are subject to risks and uncertainties, including, but not limited to: the effect of the COVID-19 pandemic, including on our credit quality and business operations, as well as the impact on general
      economic and financial conditions and other uncertainties resulting from the COVID-19 pandemic, such as the extent and duration of the impact on public health, the U.S. and global economies, and consumer and corporate customers, including economic
      activity, employment levels and market liquidity; the Company&#8217;s ability to raise common capital; the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write-offs and changes in the Company&#8217;s
      allowance for loan losses and provision for loan losses that may be impacted by deterioration in the housing and commercial real estate markets; changes in general economic conditions, either nationally or in the Company&#8217;s market areas; changes in
      the levels of general interest rates, and the relative differences between short and long term interest rates, deposit interest rates, the Company&#8217;s net interest margin and funding sources; fluctuations in the demand for loans, the number of unsold
      homes, land and other properties and fluctuations in real estate values in the Company&#8217;s market areas; secondary market conditions for loans and the Company&#8217;s ability to sell loans in the secondary market; results of examinations of us by the Office
      of Comptroller of the Currency or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase the Company&#8217;s reserve for loan losses, write-down assets, change Riverview
      Community Bank&#8217;s regulatory capital position or affect the Company&#8217;s ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; legislative or regulatory changes that adversely affect the
      Company&#8217;s business including changes in regulatory policies and principles, or the interpretation of regulatory capital or other rules; the Company&#8217;s ability to attract and retain deposits; further increases in premiums for deposit insurance; the
      Company&#8217;s ability to control operating costs and expenses; the use of estimates in determining fair value of certain of the Company&#8217;s assets, which estimates may prove to be incorrect and result in significant declines in valuation; difficulties in
      reducing risks associated with the loans on the Company&#8217;s balance sheet; staffing fluctuations in response to product demand or the implementation of corporate strategies that affect the Company&#8217;s workforce and potential associated charges; computer
      systems on which the Company depends could fail or experience a security breach; the Company&#8217;s ability to retain key members of its senior management team; costs and effects of litigation, including settlements and judgments; the Company&#8217;s ability to
      successfully integrate any assets, liabilities, customers, systems, and management personnel it may in the future acquire into its operations and the Company&#8217;s ability to realize related revenue synergies and cost savings within expected time frames
      and any future goodwill impairment due to changes in the Company&#8217;s business, changes in market conditions, including as a result of the COVID-19 pandemic and other factors related thereto; increased competitive pressures among financial services
      companies; changes in consumer spending, borrowing and savings habits; the availability of resources to address changes in laws, rules, or regulations or to respond to regulatory actions; the Company&#8217;s ability to pay dividends on its common stock;
      and interest or principal payments on its junior subordinated debentures; adverse changes in the securities markets; inability of key third-party providers to perform their obligations to us; changes in accounting policies and practices, as may be
      adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods; other economic,
      competitive, governmental, regulatory, and technological factors affecting the Company&#8217;s operations, pricing, products and services and the other risks described from time to time in our filings with the SEC.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt; font-style: italic;">Such forward-looking statements may include projections. Any such projections were not prepared in
      accordance with published guidelines of the American Institute of Certified Public Accountants or the Securities Exchange Commission regarding projections and forecasts nor have such projections been audited, examined or otherwise reviewed by
      independent auditors of the Company. In addition, such projections are based upon many estimates and inherently subject to significant economic and competitive uncertainties and contingencies, many of which are beyond the control of management of the
      Company. Accordingly, actual results may be materially higher or lower than those projected. The inclusion of such projections herein should not be regarded as a representation by the Company that the projections will prove to be correct.</div>
    <div style="text-align: justify; margin-top: 5pt; margin-bottom: 5pt; font-style: italic;">The Company cautions readers not to place undue reliance on any forward-looking statements.
      Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to the Company. The Company does not undertake and specifically disclaims any obligation to revise any
      forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. These risks could cause our actual results for fiscal 2021 and beyond to differ materially from those
      expressed in any forward-looking statements by, or on behalf of, us, and could negatively affect the Company&#8217;s operating and stock price performance.</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 7<br>
      </div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;"> <br>
      </div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6be1a72afa0743a09dfce1d4a78934d9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 50.83%; vertical-align: top;">
              <div style="font-weight: bold;">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</div>
            </td>
            <td style="width: 14.46%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top;">
              <div style="font-weight: bold;">Consolidated Balance Sheets</div>
            </td>
            <td style="width: 14.46%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="font-weight: bold;">(In thousands, except share data)&#160; (Unaudited)</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">December 31, 2019</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top;">
              <div style="font-weight: bold;">ASSETS</div>
            </td>
            <td style="width: 14.46%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top;">&#160;</td>
            <td style="width: 14.46%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Cash (including interest-earning accounts of $27,866, $48,781</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 41,968</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 62,123</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 22,950</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160; and $5,844)</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Certificate of deposits held for investment</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;249</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;249</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;747</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Loans held for sale</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;275</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;909</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Investment securities:</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160; Available for sale, at estimated fair value</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;148,291</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;155,757</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;178,226</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160;&#160;&#160; Held to maturity, at amortized cost</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Loans receivable (net of allowance for loan losses of $12,624, $11,433</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160; and $11,457)</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;898,885</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;875,100</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;864,659</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Prepaid expenses and other assets</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,452</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,330</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,596</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Accrued interest receivable</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,704</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Federal Home Loan Bank stock, at cost</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,420</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,078</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,021</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,458&#160;&#160; <br>
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Deferred income taxes, net</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,277</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,416</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Mortgage servicing rights, net</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;191</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;215</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;296</div>
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Goodwill</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,076</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,076</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,076</div>
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Core deposit intangible, net</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;759</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;799</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;920</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Bank owned life insurance</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,155</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,876</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;29,291</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
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            <td style="width: 14.46%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,180,808</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,184,100</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,156,921</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="font-weight: bold;">LIABILITIES AND SHAREHOLDERS' EQUITY</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>LIABILITIES:</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Deposits</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 990,448</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 990,464</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 925,068</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Accrued expenses and other liabilities</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,783</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,483</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,536</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Advance payments by borrowers for taxes and insurance</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;703</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;329</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;631</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Federal Home Loan Bank advances</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;56,586</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Junior subordinated debentures</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,662</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,640</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,575</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Capital lease obligations</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,369</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,378</div>
            </td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,403</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 50.83%; vertical-align: top;">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; issued and outstanding, none</div>
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            <td style="width: 14.46%; vertical-align: top;">
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            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">
              <div style="text-align: right;">&#160;-</div>
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            <td style="width: 2.2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.15%; vertical-align: top;">
              <div style="text-align: right;">&#160;-</div>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; March 31, 2020 &#8211; 22,748,385 issued and 22,544,285 outstanding;</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; December 31, 2019 - 22,748,385 issued and outstanding;</div>
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              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;225</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;227</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;226</div>
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; March 31, 2019 &#8211; 22,607,712 issued and outstanding;</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Additional paid-in capital</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,649</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;65,637</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;65,094</div>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160; Retained earnings</div>
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            <td style="width: 14.46%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;81,870</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;80,103</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70,428</div>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160; Accumulated other comprehensive income (loss)</div>
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            <td style="width: 14.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,099</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(161)</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(2,626)</div>
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          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Total shareholders&#8217; equity</div>
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            <td style="width: 14.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;148,843</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;145,806</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;133,122</div>
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          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY</div>
            </td>
            <td style="width: 14.46%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,180,808</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,184,100</div>
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            <td style="width: 2.2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,156,921</div>
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            <td style="width: 50.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 14.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.2%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 15.15%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
    <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
    <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 8<br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;"> <br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zfd1a825231ea43fca4c460bf9cbcac1e">

          <tr>
            <td valign="bottom" style="vertical-align: top;" colspan="4">
              <div style="font-weight: bold;">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div style="font-weight: bold;">Consolidated Statements of Income</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="10">
              <div style="text-align: center; font-weight: bold;">Three Months Ended</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="6">
              <div style="text-align: center; font-weight: bold;">Twelve Months Ended</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          </tr>
          <tr>
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              <div style="font-size: 8pt; font-weight: bold;">(In thousands, except share data)&#160;&#160; (Unaudited)</div>
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            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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              <div style="text-align: center; font-weight: bold;">Dec. 31, 2019</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top;">
              <div>INTEREST INCOME:</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Interest and fees on loans receivable</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,259</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,699</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,677</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>46,405</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>44,938</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160; Interest on investment securities - taxable</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>851</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>851</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,032</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>3,440</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>4,456</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Interest on investment securities - nontaxable</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>17</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>27</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>36</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>117</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>146</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255); padding-bottom: 2px;">
              <div>&#160;&#160;&#160; Other interest and dividends</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>164</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>189</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>58</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>533</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>329</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; Total interest and dividend income</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>12,291</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>12,766</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>12,803</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>50,495</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>49,869</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>INTEREST EXPENSE:</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160; Interest on deposits</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>937</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>942</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>237</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>2,890</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>996</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Interest on borrowings</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>304</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>332</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>693</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>1,874</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>1,819</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; Total interest expense</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,241</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,274</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>930</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>4,764</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>2,815</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>Net interest income</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,050</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,492</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>11,873</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>45,731</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>47,054</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div>Provision for loan losses</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,250</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,250</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>50</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>Net interest income after provision for loan losses</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>9,800</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>11,492</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>11,873</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>44,481</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>47,004</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
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              <div>NON-INTEREST INCOME:</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,491</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,661</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,404</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>6,541</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>5,948</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,039</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,136</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>987</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>4,408</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>3,791</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Net gain on sale of loans held for sale</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>42</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>68</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>39</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>252</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>317</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160; Bank owned life insurance</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>279</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>188</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>189</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>864</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>734</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>41</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>110</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>50</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>295</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>317</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>2,892</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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              <div>3,163</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>2,669</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>11,107</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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              <div>5,452</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,518</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,461</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,318</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>5,576</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>5,334</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>643</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>637</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>593</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>2,629</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>2,467</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
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              <div>&#160;&#160;&#160; Amortization of core deposit intangible</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>40</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>40</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>46</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>161</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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              <div>183</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
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              <div>&#160;&#160;&#160; Advertising and marketing</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>167</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>181</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>160</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>856</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>769</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>-</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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              <div>-</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>80</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>80</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>326</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
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            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>180</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>126</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>176</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>675</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>651</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>81</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>84</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>87</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>327</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>353</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Professional fees</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>264</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>267</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>306</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,119</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>1,426</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160; Other</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>473</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>511</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>531</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>2,035</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div>1,870</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;&#160;&#160; Total non-interest expense</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>8,818</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>9,248</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>8,962</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>36,263</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>35,699</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>INCOME BEFORE INCOME TAXES</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>3,874</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>5,407</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>5,580</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>20,578</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,412</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div>PROVISION FOR INCOME TAXES</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>980</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,279</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>1,373</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>4,830</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" colspan="1">
              <div>5,146</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">
              <div>NET INCOME</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>2,894</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
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              <div>4,128</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
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              <div>4,207</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
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              <div>15,748</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1">
              <div>$</div>
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              <div>17,266</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
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          <tr>
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              <div>Earnings per common share:</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160; Basic</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>0.13</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>0.18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>0.19</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>0.70</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>0.76</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Diluted</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>0.13</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>0.18</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>0.19</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>0.69</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>0.76</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; background-color: #FFFFFF;" colspan="4">
              <div>Weighted average number of common shares outstanding:</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160; Basic</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,642,531</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,665,712</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,605,012</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,642,795</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(204, 238, 255);" colspan="1">
              <div>22,588,395</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40.02%; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160;&#160; Diluted</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>22,689,354</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>22,718,255</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>22,663,997</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>22,698,415</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 8.99%; background-color: rgb(255, 255, 255);" colspan="1">
              <div>22,659,594</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" colspan="1">&#160;</td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 9<br>
      </div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;"> <br>
      </div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfe775abda6c549ff9ec25b69e1235ca4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 39.09%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top;">
              <div style="font-style: italic;">(Dollars in thousands)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 34.95%; vertical-align: top;" colspan="5">
              <div style="text-align: center; font-weight: bold;">At or for the three months ended</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 23.04%; vertical-align: top;" colspan="3">
              <div style="text-align: center; font-weight: bold;">At or for the twelve months ended</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Dec. 31, 2019</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top;">
              <div style="font-weight: bold;">A<u>VERAGE BALANCES</u></div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Average interest&#8211;earning assets</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; 1,083,493</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; 1,082,229</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; 1,066,133</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160;&#160; 1,075,297</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 1,059,063</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Average interest-bearing liabilities</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">740,437</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">726,294</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">723,805</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">726,092</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">718,595</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Net average earning assets</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">343,056</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">355,935</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">342,328</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">349,205</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">340,468</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Average loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">892,715</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">878,656</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">869,950</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">884,498</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">844,142</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Average deposits</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">984,983</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">987,056</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">929,219</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">961,267</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">963,934</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Average equity</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">149,721</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">146,090</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">131,400</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">143,652</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">124,542</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Average tangible equity (non-GAAP)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">121,862</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">118,192</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">103,378</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">115,733</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">96,449</div>
            </td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">
              <div style="font-weight: bold;"><u>ASSET QUALITY</u></div>
            </td>
            <td style="width: 1.46%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: center; font-weight: bold;">Dec. 31, 2019</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; padding-bottom: 2px; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Non-performing loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,395</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,517</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,519</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Non-performing loans to total loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.15%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.17%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.17%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Real estate/repossessed assets owned</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Non-performing assets</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,395</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,517</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,519</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Non-performing assets to total assets</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.12%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.13%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.13%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Net loan charge-offs in the quarter</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 60</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 3</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 45</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Net charge-offs in the quarter/average net loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.03%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.00%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.02%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Allowance for loan losses</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 12,624</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 11,433</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 11,457</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Average interest-earning assets to average</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;interest-bearing liabilities</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">146.33%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">149.01%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">147.30%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Allowance for loan losses to</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top;">
              <div>&#160;&#160;non-performing loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">
              <div style="text-align: right;">904.95%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">
              <div style="text-align: right;">753.66%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">
              <div style="text-align: right;">754.25%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Allowance for loan losses to total loans</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.38%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.29%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.31%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Shareholders&#8217; equity to assets</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">12.61%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">12.31%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">11.51%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;">CAPITAL RATIOS</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Total capital (to risk weighted assets)</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">17.01%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">17.66%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">16.88%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tier 1 capital (to risk weighted assets)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15.73%</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16.41%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">15.63%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Common equity tier 1 (to risk weighted assets)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">15.73%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">16.41%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">15.63%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tier 1 capital (to average tangible assets)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">11.78%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">12.05%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">11.56%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Tangible common equity (to average tangible assets) (non-GAAP)</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">10.50%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">10.20%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">9.31%</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="font-weight: bold;"><u>DEPOSIT MIX</u></div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">Dec. 31, 2019</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Interest checking</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 187,798</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 179,447</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 183,388</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Regular savings</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;226,880</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;217,004</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;137,503</div>
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            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Money market deposit accounts</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;169,798</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;183,076</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;233,317</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Non-interest checking</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;271,031</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;279,564</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;284,854</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div>Certificates of deposit</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;134,941</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;131,373</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;86,006</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Total deposits</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 990,448</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 990,464</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 925,068</div>
            </td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39.09%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10.37%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.46%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.21%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 10<br>
      </div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z450d4358f14c432b97c49e1c9f3aae5f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 68.33%; vertical-align: top;" colspan="5">
              <div style="font-weight: bold;"><u>COMPOSITION OF COMMERCIAL AND CONSTRUCTION&#160; LOANS</u></div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.88%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.88%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">Other</div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">Commercial</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">Commercial</div>
            </td>
            <td style="width: 1.88%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">Real Estate</div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">Real Estate</div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
              <div style="text-align: center;">&amp; Construction</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Business</div>
            </td>
            <td style="width: 1.88%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Mortgage</div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Total</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2020</u></div>
            </td>
            <td style="width: 1.89%; vertical-align: top;">&#160;</td>
            <td style="width: 61.44%; vertical-align: top;" colspan="7">
              <div style="text-align: center;">(Dollars in thousands)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Commercial business</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 179,029</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 179,029</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Commercial construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,608</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;52,608</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Office buildings</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,433</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,433</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Warehouse/industrial</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;91,764</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;91,764</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Retail/shopping centers/strip malls</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;76,802</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;76,802</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Assisted living facilities</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,033</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,033</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Single purpose facilities</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;224,839</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;224,839</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Land</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,026</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;14,026</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Multi-family</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;58,374</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;58,374</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255); padding-bottom: 2px;">
              <div>One-to-four family construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,235</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,235</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;Total</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 179,029</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 580,271</div>
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            <td style="width: 1.89%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
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            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 824,143</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2019</u></div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 162,796</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Commercial construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70,533</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70,533</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Office buildings</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;118,722</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Warehouse/industrial</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;91,787</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;91,787</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Retail/shopping centers/strip malls</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,934</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Assisted living facilities</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Single purpose facilities</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;183,249</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;183,249</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Land</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,027</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17,027</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Multi-family</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,570</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;51,570</div>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div>One-to-four family construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.88%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,349</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,349</div>
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          <tr>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 162,796</div>
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            <td style="width: 1.88%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 530,029</div>
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            <td style="width: 1.89%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 90,882</div>
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            <td style="width: 1.89%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 783,707</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="font-weight: bold;"><u>LOAN MIX</u></div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2020</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">Dec. 31, 2019</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">March 31, 2019</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 45.61%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="5">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Commercial and construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Commercial business</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 165,526</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 162,796</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;Other real estate mortgage</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;580,271</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;543,118</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;530,029</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Real estate construction</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;64,843</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;88,872</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;90,882</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;Total commercial and construction</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;824,143</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;797,516</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;783,707</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Consumer</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;Real estate one-to-four family</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;83,150</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;83,978</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84,053</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Other installment</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,216</div>
            </td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,039</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,356</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;&#160;&#160;Total consumer</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;87,366</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;89,017</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;92,409</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Total loans</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;911,509</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;886,533</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;876,116</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Less:</div>
            </td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Allowance for loan losses</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,624</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,433</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 36.67%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 898,885</div>
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            <td style="width: 1.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 875,100</div>
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              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 864,659</div>
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            <td style="width: 1.89%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <td style="width: 36.67%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.89%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 11</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;"> <br>
      </div>
    </div>
    <div><br>
    </div>
    <div>
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          <tr>
            <td style="width: 49.01%; vertical-align: top;" colspan="3">
              <div style="font-weight: bold;"><u>DETAIL OF NON-PERFORMING ASSETS</u></div>
            </td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.43%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 1.8%; vertical-align: top;">&#160;</td>
            <td style="width: 2.33%; vertical-align: top;">&#160;</td>
            <td style="width: 44.88%; vertical-align: top;">&#160;</td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.43%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top;">&#160;</td>
            <td style="width: 2.33%; vertical-align: top;">&#160;</td>
            <td style="width: 44.88%; vertical-align: top;">&#160;</td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">
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            </td>
            <td style="width: 1.43%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">
              <div style="text-align: center;">Southwest</div>
            </td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 1.8%; vertical-align: top;">&#160;</td>
            <td style="width: 2.33%; vertical-align: top;">&#160;</td>
            <td style="width: 44.88%; vertical-align: top;">&#160;</td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: #000000 2px solid;">
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            </td>
            <td style="width: 1.43%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Washington</div>
            </td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center;">Total</div>
            </td>
          </tr>
          <tr>
            <td style="width: 49.01%; vertical-align: top;" colspan="3">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2020</u></div>
            </td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 49.54%; vertical-align: top;" colspan="7">
              <div style="text-align: center;">(dollars in thousands)</div>
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          <tr>
            <td style="width: 1.8%; vertical-align: top;">&#160;</td>
            <td style="width: 2.33%; vertical-align: top;">&#160;</td>
            <td style="width: 44.88%; vertical-align: top;">&#160;</td>
            <td style="width: 1.44%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.43%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
            <td style="width: 1.08%; vertical-align: top;">&#160;</td>
            <td style="width: 11.49%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 49.01%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
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            </td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
            </td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 201</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; -</div>
            </td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 201</div>
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          <tr>
            <td style="width: 49.01%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="3">
              <div>Commercial real estate</div>
            </td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;851</div>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;163</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,014</div>
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          <tr>
            <td style="width: 49.01%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div>Consumer</div>
            </td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;152</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28</div>
            </td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;180</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 47.21%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="2">
              <div>Total non-performing loans</div>
            </td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 851</div>
            </td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160;&#160; 516</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160;&#160; 28</div>
            </td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; 1,395</div>
            </td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 87.43%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="9">
              <div style="font-weight: bold;"><u>DETAIL OF LAND DEVELOPMENT AND SPECULATIVE CONSTRUCTION LOANS</u></div>
            </td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Northwest</div>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Other</div>
            </td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">Southwest</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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              <div style="text-align: center;">Oregon</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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              <div style="text-align: center;">Total</div>
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            <td style="width: 49.01%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2020</u></div>
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            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 49.54%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="7">
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            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <td style="width: 49.01%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div>Land development</div>
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            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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              <div style="text-align: right;">&#160;$&#160; &#160; &#160; 1,834</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <tr>
            <td style="width: 49.01%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="3">
              <div>Speculative construction</div>
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            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;282</div>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,027</div>
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          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 47.21%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="2">
              <div>Total land development and speculative&#160; construction</div>
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            <td style="width: 1.44%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; 2,406</div>
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            <td style="width: 1.43%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; 1,834</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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              <div style="text-align: right;">&#160;$&#160; &#160; 21,813</div>
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            <td style="width: 1.08%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; 26,053</div>
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          <tr>
            <td style="width: 1.8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.33%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 44.88%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.44%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.43%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 1.08%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 11.49%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">RVSB Reports Fourth Quarter Fiscal 2020 Results</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">May 7, 2020</div>
      <div style="font-family: 'Times New Roman',Times,serif; font-weight: normal;">Page 12</div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z98ded80f913b47ad8b4e3bfe0a37b5ea" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 33.28%; vertical-align: top;">&#160;</td>
            <td style="width: 12.84%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
            <td style="width: 12.84%; vertical-align: top;">&#160;</td>
            <td style="width: 2.54%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top;">&#160;</td>
            <td style="width: 38.52%; vertical-align: top;" colspan="3">
              <div style="text-align: center; font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At or for the three months ended</div>
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            <td style="width: 25.67%; vertical-align: top;" colspan="2">
              <div style="text-align: center; font-weight: bold;">At or for the twelve months ended</div>
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          <tr>
            <td style="width: 33.28%; vertical-align: top;">
              <div><u>SELECTED OPERATING DATA</u></div>
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            <td style="width: 12.84%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2020</u></div>
            </td>
            <td style="width: 12.83%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>Dec. 31, 2019</u></div>
            </td>
            <td style="width: 12.84%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2019</u></div>
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            <td style="width: 2.54%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2020</u></div>
            </td>
            <td style="width: 12.83%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;"><u>March 31, 2019</u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top;">&#160;</td>
            <td style="width: 12.84%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
            <td style="width: 12.84%; vertical-align: top;">&#160;</td>
            <td style="width: 2.54%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
            <td style="width: 12.83%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Efficiency ratio (4)</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">63.25%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">63.10%</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">61.63%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">62.42%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">61.38%</div>
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          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Coverage ratio (6)</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">125.31%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">124.26%</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">132.48%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">126.11%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">131.81%</div>
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          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Return on average assets (1)</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">0.99%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.40%</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.49%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.35%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1.51%</div>
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          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Return on average equity (1)</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">7.77%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">11.24%</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">12.98%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">10.96%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">13.86%</div>
            </td>
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          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Return on average tangible equity (1) (non-GAAP)</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">9.55%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13.89%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">16.50%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">13.61%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">17.90%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><u>NET INTEREST SPREAD</u></div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Yield on loans</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">5.07%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">5.30%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">5.44%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">5.25%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">5.32%</div>
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          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Yield on investment securities</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2.32%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2.21%</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2.37%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2.19%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2.33%</div>
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          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160;&#160;Total yield on interest-earning assets</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.56%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.70%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.87%</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.70%</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.71%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Cost of interest-bearing deposits</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.53%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.54%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.15%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.43%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.15%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Cost of FHLB advances and other borrowings</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.21%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.55%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3.60%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3.78%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.10%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;&#160;&#160;Total cost of interest-bearing liabilities</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.67%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.70%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.52%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.66%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">0.39%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Spread (7)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">3.89%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.00%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.35%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.04%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">4.32%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Net interest margin</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.10%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.23%</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.52%</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.26%</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4.45%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><u>PER SHARE DATA</u></div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Basic earnings per share (2)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.13</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.18</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 0.19</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 0.70</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 0.76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Diluted earnings per share (3)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.13</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.18</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.19</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.69</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.76</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Book value per share (5)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6.60</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6.41</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.89</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6.60</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.89</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Tangible book value per share (5) (non-GAAP)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.37</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.18</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.65</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.37</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.65</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Market price per share:</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;High for the period</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 8.20</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 8.45</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 8.04</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 8.55</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 9.91</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Low for the period</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.47</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6.94</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7.14</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4.47</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7.03</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
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              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.01</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5.01</div>
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            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Cash dividends declared per share</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.0500</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.0500</div>
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            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.0400</div>
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            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.1900</div>
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            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;0.1500</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>Average number of shares outstanding:</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>&#160;&#160;Basic (2)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22,642,531</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22,665,712</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22,605,012</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22,642,795</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">22,588,395</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div>&#160;&#160;Diluted (3)</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">22,689,354</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">22,718,255</div>
            </td>
            <td style="width: 12.84%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">22,663,997</div>
            </td>
            <td style="width: 2.54%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">22,698,415</div>
            </td>
            <td style="width: 12.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: right;">22,659,594</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zda685763e52b45a7bcda6fda2f9635e3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Amounts for the quarterly periods are annualized.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4ffaf39f2869457aa87444e2e01b2346" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Amounts exclude ESOP shares not committed to be released.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za503570b4a7241b7b2d4fbaeeff8fcbe" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(3)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Amounts exclude ESOP shares not committed to be released and include common stock equivalents.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z65cca088a1a94ecc8b8f96710b3295f5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(4)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Non-interest expense divided by net interest income and non-interest income.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf6f6d36ef5cd4681abd8c6cce835c44b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(5)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Amounts calculated based on shareholders&#8217; equity and include ESOP shares not committed to be released.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze4621b1494e844a989130c3c4729bf06" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(6)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Net interest income divided by non-interest expense.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z74b2123b449a4ee0b16418edae655a2c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div>(7)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div>Yield on interest-earning assets less cost of funds on interest-bearing liabilities.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; margin-right: 28.8pt; margin-left: 28.8pt;"># # #</div>
    <div><br>
    </div>
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      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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