<SEC-DOCUMENT>0001174947-19-001177.txt : 20191112
<SEC-HEADER>0001174947-19-001177.hdr.sgml : 20191112
<ACCEPTANCE-DATETIME>20191112162725
ACCESSION NUMBER:		0001174947-19-001177
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20191112
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20191112
DATE AS OF CHANGE:		20191112

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Magyar Bancorp, Inc.
		CENTRAL INDEX KEY:			0001337068
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51726
		FILM NUMBER:		191209923

	BUSINESS ADDRESS:	
		STREET 1:		400 SOMERSET STREET
		CITY:			NEW BRUNSWICK
		STATE:			NJ
		ZIP:			08901
		BUSINESS PHONE:		732-249-2438

	MAIL ADDRESS:	
		STREET 1:		400 SOMERSET STREET
		CITY:			NEW BRUNSWICK
		STATE:			NJ
		ZIP:			08901
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k-22995_mgyr.htm
<DESCRIPTION>8-K
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">UNITED STATES</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>WASHINGTON, D.C. 20549</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">PURSUANT TO SECTION 13 OR 15(D) OF</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">THE SECURITIES EXCHANGE ACT OF 1934</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Date of Report (Date of earliest event reported):
November 12, 2019</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>MAGYAR BANCORP, INC.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact Name of Registrant as Specified in Charter)</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 34%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Delaware</U></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>0-51726</U></FONT></TD>
    <TD STYLE="width: 33%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>20-4154978</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(State or Other Jurisdiction)</TD>
    <TD STYLE="text-align: center">(Commission File No.)</TD>
    <TD STYLE="text-align: center">(I.R.S. Employer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">of Incorporation)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">Identification No.)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-weight: normal"><U>400 Somerset Street, New Brunswick, New Jersey</U></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-weight: normal"><U>08901</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(Address of Principal Executive Offices)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">(Zip Code)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Registrant's telephone number, including area
code: <U>(732) 342-7600</U></P>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; border-collapse: collapse; font-size-adjust: none; font-stretch: normal; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 43%; text-align: center; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Title of each class</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 13%; border-bottom: black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Trading</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Symbol(s)</B></P></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 42%; text-align: center; border-bottom: black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Name of each exchange on which registered</B></FONT></TD></TR>
<TR>
    <TD STYLE="text-align: center; vertical-align: top"><FONT STYLE="font-size: 10pt">Common Stock, par value $0.01 per share</FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom"><FONT STYLE="font-size: 10pt">MGYR</FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; vertical-align: bottom"><FONT STYLE="font-size: 10pt">The NASDAQ Stock Market, LLC</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; 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
(see General Instruction A.2. below):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; 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&nbsp;13(a)&nbsp;of the Exchange Act.&nbsp;<FONT STYLE="font-family: Wingdings">&uml;</FONT></P>



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

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

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 2.02</B></TD><TD STYLE="text-align: justify"><B><U>Results of Operations and Financial Condition</U></B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On November 12, 2019, Magyar
Bancorp, Inc. (the &quot;Company&quot;) issued a press release regarding its results of operations and financial condition at and
for the three months and twelve months ended September 30, 2019. The text of the press release is included as Exhibit 99.1 to this
report. The information included in the press release text is considered to be &quot;furnished&quot; under the Securities Exchange
Act of 1934.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 9.01</B></TD><TD STYLE="text-align: justify"><B><U>Financial Statements and Exhibits</U></B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">(a)</TD><TD STYLE="text-align: justify">Financial Statements of businesses acquired. Not Applicable.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">(b)</TD><TD STYLE="text-align: justify">Pro forma financial information. Not Applicable.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">(c)</TD><TD STYLE="text-align: justify">Shell Company Transactions. Not Applicable</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">(d)</TD><TD STYLE="text-align: justify">Exhibits.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-align: justify">The following Exhibit is attached as
part of this report:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify; text-indent: -2in">&nbsp;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">99.1</TD><TD STYLE="text-align: justify">Press release dated November 12, 2019, announcing the Company&rsquo;s results of operations and
financial condition at and for the three months and twelve months ended September 30, 2019.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

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

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

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


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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MAGYAR BANCORP, INC.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 3in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>DATE: November 12, 2019</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ John S. Fitzgerald</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John S. Fitzgerald</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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


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

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

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in"><U>Exhibit No.</U></TD>
    <TD><U>Description</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">99.1</TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><A HREF="ex99-1.htm">Press release dated November 12, 2019, announcing the Company&rsquo;s results of operations and financial condition at and for the three months and twelve months ended September 30, 2019.</A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>



<P STYLE="margin: 0"></P>

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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99-1.htm
<DESCRIPTION>EX-99.1
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    <TD STYLE="width: 415px; font-size: 10pt; text-align: center"><B><IMG SRC="image_001.jpg" ALT="" STYLE="height: 121px; width: 384px"></B></TD>
    <TD STYLE="font-size: 10pt; text-align: left; vertical-align: bottom"><FONT STYLE="font-size: 24pt"><B>News</B></FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>400 Somerset St., New Brunswick, NJ 08901</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>732.342.7600</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>MAGYAR BANCORP, INC. ANNOUNCES FOURTH QUARTER
AND YEAR END FINANCIAL RESULTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>New Brunswick, New Jersey, November 12,
2019</B> &ndash; Magyar Bancorp (NASDAQ: MGYR) (&ldquo;Company&rdquo;), parent company of Magyar Bank, reported today the results
of its operations for the three months and year ended September 30, 2019.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company reported a 16% increase in net
income to $818,000 for the three months ended September 30, 2019 compared to net income of $704,000 for the three months ended
September 30, 2018. The Company also reported a 48% increase in net income for the year ended September 30, 2019 to $2,996,000
compared to net income of $2,030,000 for the year ended September 30, 2018. The basic and diluted earnings per share were $0.14
and $0.51 for the three and twelve months ended September 30, 2019, compared with basic and diluted earnings per share for the
three months and twelve months ended September 30, 2018 of $0.12 and $0.35, respectively.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&ldquo;We are pleased to report that 2019 was
another strong year for Magyar Bancorp&rdquo;, stated John Fitzgerald, President and Chief Executive Officer.&nbsp; &ldquo;Despite
two interest rate cuts by the Federal Reserve and a flat or inverted yield curve for most of the year, we were able to increase
our net income 48% for the fiscal year.&rdquo;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mr. Fitzgerald continued, &ldquo;Looking ahead to 2020, while we
expect a challenging rate environment to continue with the potential for further rate cuts and a continued flat or inverted yield
curve, our ability to leverage existing relationships and acquire new business will continue to expand the Bank&rsquo;s lending
and deposit customer base.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Net income increased by $114,000, or 16.2%,
during the three-month period ended September 30, 2019 compared with the three-month period ended September 30, 2018 and by $966,000,
or 47.6%, during the year ended September 30, 2019 compared with the year ended September 30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Net interest and dividend income decreased
$30,000, or 0.6%, to $5.0 million for the three months ended September 30, 2019 from the three months ended September 30, 2018.
Interest and dividend income increased $292,000, or 4.5%, to $6.7 million for the three months ended September 30, 2019 from $6.4
million to the three months ended September 30, 2018. The average balance of interest-earning assets increased $8.5 million, or
1.5%, while the yield on such assets increased 18 basis points to 4.63% for the three months ended September 30, 2019 compared
with the prior year period. Interest expense increased $322,000, or 23.1%, to $1.7 million for the three months ended September
30, 2019 from $1.4 million for the three months ended September 30, 2018. The average balance of interest-bearing liabilities increased
$3.8 million, or 0.8%, between the two periods while the cost on such liabilities grew by 28 basis points to 1.50% for the three
months ended September 30, 2019 compared with the prior year period.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Interest and dividend income increased $2.8
million, or 11.3%, to $27.1 million for the year ended September 30, 2019 compared to the year ended September 30, 2018. The average
balance of interest-earning assets increased $33.3 million, or 5.9%, while the yield on such assets increased 22 basis points to
4.53% for the year ended September 30, 2019 compared with the prior year period. Interest expense increased $2.1 million, or 44.3%,
to $6.7 million for the year ended September 30, 2019 from $4.6 million for the year ended September 30, 2018. The average balance
of interest-bearing liabilities increased $20.1 million, or 4.5%, between the two periods while the cost on such liabilities grew
by 40 basis points to 1.44% for the year ended September 30, 2019 compared with the prior year period.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company&rsquo;s net interest margin decreased
by 4 basis points to 3.45% for the quarter ended September 30, 2019 compared to 3.49% for the quarter ended September 30, 2018.
For the year ended September 30, 2019, the net interest margin decreased by 8 basis points to 3.41% from the prior year period.
The Company experienced contraction in its margin due to lower yields on loans receivable and investment securities coupled with
higher costs of funding due to the flat, and periodically inverted, yield curve during the twelve months ended September 30, 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The provision for loan losses was $167,000
for the three months ended September 30, 2019 compared to $214,000 for the three months ended September 30, 2018. The Company did
not have any charge-offs for either period. The provision for loan losses was $668,000 for the year ended September 30, 2019 compared
to $997,000 for the year ended September 30, 2018. There were net recoveries of $20,000 during the year ended September 30, 2019
compared with net charge-offs of $272,000 for the year ended September 30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Non-interest income increased $138,000 to $722,000
during the three months ended September 30, 2019 primarily from higher loan service charges, which were $488,000 for the three
months ended September 30, 2019 compared with $348,000 for the three months ended September 30, 2018. Non-interest income increased
$15,000 during the year ended September 30, 2019 compared with the prior year due to higher loan service charges, which increased
$277,000, offset by lower gains on the sales of assets, which decreased $300,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Non-interest expense increased $119,000 during
the three months ended September 30, 2019 from the prior year period due to higher compensation and employee benefits expense.
Compensation and employee benefit expense increased $201,000 between the quarterly periods due to new positions in compliance,
annual merit increases for employees, and two new Supplemental Executive Retirement Plans. Partially offsetting this increase was
an $111,000 decrease in FDIC deposit insurance premium expense related to a one-time statutory credits for premiums paid by small
banks to replenish the Deposit Insurance Fund for the last recession.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Non-interest expense increased $276,000, or
1.6%, to $17.6 million for the year ended September 30, 2019 compared to $17.3 million for the year ended September 30, 2018 due
to higher compensation and employee benefit expense. Compensation and benefit expenses increased $446,000, or 4.6%, to $10.1 million
due to new positions in compliance, annual merit increases for employees, higher incentive payments and two new Supplemental Executive
Retirement Plan agreements dated May 23, 2019.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Total assets decreased $2.2 million, or 0.4%,
to $630.3 million during the three months ended September 30, 2019. The quarterly decrease was attributable to lower loans receivable,
net of allowance of loss, which decreased $8.1 million and investment securities, which decreased $6.8 million. Partially offsetting
these decreases were increases in cash and cash equivalents, which increased $13.5 million during the quarter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Total assets increased $6.4 million, or 1.0%,
during the twelve months ended September 30, 2019. The increase was attributable to a $9.8 million, or 1.9%, increase in loans
receivable, net of allowance of loss, a $6.1 million, or 39.7%, increase in cash and cash equivalents, and a $1.8 million, or 15.2%,
increase in bank owned life insurance. Partially offsetting this growth were decreases in investment securities, which declined
$9.9 million during the year, and other real estate owned, which declined $1.1 million during the year.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Total loans receivable at September 30, 2019
were comprised of $232.5 million (44.5%) in commercial real estate loans, $190.4 million (36.4%) in 1-4 family residential mortgage
loans, $48.8 million (9.3%) in commercial business loans, $28.5 million (5.4%) in construction loans, and $22.8 million (4.4%)
in home equity lines of credit and other loans. Total loans receivable at September 30, 2018 were comprised of $219.3 million (42.8%)
in commercial real estate loans, $185.3 million (36.2%) in 1-4 family residential mortgage loans, $53.3 million (10.4%) in commercial
business loans, $30.4 million (5.9%) in construction loans, and $24.2 million (4.7%) in home equity lines of credit and other loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During the quarter our total non-performing
loans increased $2.8 million to $6.9 million at September 30, 2019 from $4.1 million at June 30, 2019. The increase was the result
of three new commercial real estate loans totaling $2.3 million, one Small Business Administration loan totaling $976,000, and
one 1-4 family residential mortgage loan totaling $114,000, offset by loan payments and payoffs totaling $649,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Total non-performing loans increased by $6.0
million to $6.9 million during the year ended September 30, 2019 from $906,000 at September 30, 2018. At September 30, 2019, non-performing
loans consisted of four commercial real estate loans totaling $2.7 million, one construction loan totaling $2.9 million, one Small
Business Administration loan totaling $976,000, and one loan secured by 1-4 family residential mortgage totaling $114,000. The
ratio of non-performing loans to total loans was 1.3% at September 30, 2019 compared to 0.2% at September 30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The allowance for loan losses increased by
$195,000 during the three months ended September 30, 2019 and by $688,000 during the twelve months ended September 30, 2019 to
$4.9 million. The increases were attributable to growth in total loans receivable and a less favorable economic outlook.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The allowance for loan losses as a percentage
of non-performing loans decreased to 70.9% at September 30, 2019 compared with 463.6% at September 30, 2018. At September 30, 2019
our allowance for loan losses as a percentage of total loans was 0.93%, compared with 0.82% at September 30, 2018. Future increases
in the allowance for loan losses may be necessary based on possible future increases in total loans receivable, increases in non-performing
loans and charge-offs, deterioration of collateral values securing impaired real estate loans, and the possible deterioration of
the current economic environment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">At September 30, 2019, investment securities
were $46.2 million, reflecting a $6.8 million decrease from June 30, 2019 and a $9.9 million decrease from September 30, 2018.
Investment securities at September 30, 2019 consisted of $38.9 million in mortgage-backed securities issued by U.S. government
agencies and U.S. government-sponsored enterprises, $4.0 million in U.S. government-sponsored enterprise debt securities, $3.0
million in corporate notes and $363,000 in &ldquo;private-label&rdquo; mortgage-backed securities. There were no other-than-temporary-impairment
charges for the Company&rsquo;s investment securities for the year ended September 30, 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Other real estate owned (&ldquo;OREO&rdquo;)
decreased $6,000 to $7.5 million during the quarter ended September 30, 2019. Year-to-date, OREO decreased $1.1 million resulting
from the sales of four properties totaling $1.3 million, in addition to valuation allowances and other net reductions totaling
$242,000. Offsetting these declines were the addition of two properties totaling $503,000 during the year from the foreclosure
of real estate collateralizing non-performing loans and $11,000 in capitalized improvements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">OREO at September 30, 2019 consisted of three
residential properties (two of which were leased) totaling $1.7 million, four real estate lots/land totaling $3.1 million, and
four commercial real estate buildings totaling $2.7 million. The Bank is determining the proper course of action for its OREO,
which may include holding the properties until the real estate market improves, marketing the properties for individual sale, or
selling properties to an investor and/or developer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Total deposits decreased $62,000 during the
twelve months ended September 30, 2019 to $530.1 million. The contraction in deposits during the twelve months ended September
30, 2019 occurred in certificates of deposit (including individual retirement accounts), which decreased $13.6 million, or 10.4%,
and in savings account balances, which decreased $10.8 million, or 13.2%. Offsetting these decreases were increases in money market
account balances, which increased $20.8 million, or 12.4%, in non-interest checking account balances, which increased $1.7 million,
or 1.6%, and in interest-bearing checking account balances, which increased $1.8 million, or 3.9%. Deposits accounted for 84.1%
of assets and 102.3% of net loans receivable at September 30, 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">At September 30, 2019, the Company held $6.9
million in brokered certificates of deposit, compared with $14.8 million at September 30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Borrowings, which include Federal Home Loan
Bank of New York advances, increased $665,000, or 1.9%, to $36.2 million at September 30, 2019 from $35.5 million at September
30, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company did not repurchase any shares during
the three or twelve months ended September 30, 2019. The Company has repurchased 81,000 shares pursuant to the second stock repurchase
plan through September 30, 2019, reducing outstanding shares to 5,820,746.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company&rsquo;s book value per share increased
to $9.39 at September 30, 2019 from $8.82 at September 30, 2018. The increase was attributable to the Company&rsquo;s results from
operations.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Magyar Bancorp is the parent company of Magyar
Bank, a community bank headquartered in New Brunswick, New Jersey. Magyar Bank has been serving families and businesses in Central
New Jersey since 1922 with a complete line of financial products and services. Today, Magyar operates seven branch locations in
New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater and Edison (2). Please visit us online at www.magbank.com.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">This press release contains statements about
future events that constitute forward-looking statements within the meaning of the Section 27A of the Securities Act of 1933 and
Section 21E of the Securities Exchange Act of 1934. Such forward-looking statements may be identified by reference to a future
period or periods, or by the use of forward- looking terminology, such as &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;believe,&rdquo;
&ldquo;expect,&rdquo; or similar terms or variations on those terms, or the negative of those terms. Forward-looking statements
are subject to numerous risks and uncertainties, including, but not limited to, those risks previously disclosed in the Company&rsquo;s
filings with the SEC, general economic conditions, changes in interest rates, regulatory considerations, competition, technological
developments, retention and recruitment of qualified personnel, and market acceptance of the Company&rsquo;s pricing, products
and services, and with respect to the loans extended by the Bank and real estate owned, the following: risks related to the economic
environment in the market areas in which the Bank operates, particularly with respect to the real estate market in New Jersey;
the risk that the value of the real estate securing these loans may decline in value; and the risk that significant expense may
be incurred by the Company in connection with the resolution of these loans. The Company wishes to caution readers not to place
undue reliance on any such forward-looking statements, which speak only as of the date made. The Company does not undertake and
specifically declines any obligation to publicly release the result of any revisions that may be made to any forward-looking statements
to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated
events.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Contact: John Reissner, 732.214.2083</P>


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

<P STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">MAGYAR BANCORP, INC. AND SUBSIDIARY</P>

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

<P STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">(Dollars in
Thousands, Except Per Share Data)</P>



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

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    <TD COLSPAN="6" STYLE="text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Three Months Ended</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Twelve Months Ended</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
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    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">September 30,</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">September 30,</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
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    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2019</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2018</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2019</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2018</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left; white-space: nowrap; color: Black">Income Statement Data:</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 52%; text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Interest and dividend income</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">6,729</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">6,437</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">27,103</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">24,350</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Interest expense</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">1,713</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">1,391</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">6,710</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">4,649</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Net interest and dividend income</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">5,016</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">5,046</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">20,393</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">19,701</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Provision for loan losses</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">167</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">214</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">668</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">997</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Net interest and dividend income after</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provision for loan losses</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,849</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,832</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">19,725</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">18,704</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-interest income</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">722</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">584</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">2,136</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">2,121</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-interest expense</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">4,393</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">4,274</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">17,600</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">17,324</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Income before income tax expense</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">1,178</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">1,142</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,261</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3,501</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Income tax expense</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">360</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">438</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">1,265</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">1,471</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 2.5pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Net income</TD><TD STYLE="padding-bottom: 2.5pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">818</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">704</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">2,996</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">2,030</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; white-space: nowrap; color: Black">Per Share Data:</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Basic earnings per share</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.14</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.12</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.51</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.35</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Diluted earnings per share</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.14</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.12</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.51</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.35</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Book value per share, at period end</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">9.39</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">8.82</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">9.39</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">8.82</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; text-decoration: none; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; text-decoration: none; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; text-decoration: none; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left; white-space: nowrap; color: Black">Selected Ratios (annualized):</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Return on average assets</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.52%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.46%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.47%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.33%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Return on average equity</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">6.19%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">5.64%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">5.47%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3.95%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Net interest margin</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3.45%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3.49%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3.41%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">3.49%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
</TABLE>



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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif; color: Black">
<TR STYLE="vertical-align: bottom; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">September 30,</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">June 30,</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">September 30,</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2019</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2019</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; vertical-align: bottom; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; white-space: nowrap; color: Black">2018</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left; white-space: nowrap; color: Black">Balance Sheet Data:</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 64%; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Assets</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">630,328</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">632,574</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="width: 1%; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="width: 9%; text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">623,968</TD><TD STYLE="width: 1%; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Loans receivable</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">523,105</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">530,972</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">512,630</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Allowance for loan losses</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,888</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,693</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,200</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Investment securities - available for sale, at fair value</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">16,703</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">20,941</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">22,469</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Investment securities - held to maturity, at cost</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">29,481</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">32,014</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">33,645</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Deposits</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">530,075</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">520,039</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">530,137</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Borrowings</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">36,189</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">50,389</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">35,524</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Shareholders' Equity</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">54,651</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">54,242</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">51,362</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: none; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left; white-space: nowrap; color: Black">Asset Quality Data:</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: right; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="color: Black; text-align: left; white-space: nowrap; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-performing loans</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">6,894</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">4,110</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">$</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">906</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Other real estate owned</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">7,528</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">7,534</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap; color: Black">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right; white-space: nowrap; color: Black">8,586</TD><TD STYLE="padding-bottom: 1pt; text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Total non-performing assets</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">14,422</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">11,644</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">9,492</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Allowance for loan losses to non-performing loans</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">70.90%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">114.18%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">463.58%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Allowance for loan losses to total loans receivable</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.93%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.88%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.82%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-performing loans to total loans receivable</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">1.32%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.77%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">0.18%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-performing assets to total assets</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">2.29%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">1.84%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">1.52%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); color: Black; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-left: 10pt; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">Non-performing assets to total equity</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">26.39%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">21.47%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: right; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">18.48%</TD><TD STYLE="text-align: left; white-space: nowrap; color: Black; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
