	September 30, 2013
							Total Loans
	30-59 Days	60-89 Days	Over 90	Total Past		Total Loans	> 90 Days and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$--	$--	$--	$--	$33,454	$33,454	$--
Subdivision construction	2,047	--	879	2,926	31,338	34,264	--
Land development	6,905	182	260	7,347	55,021	62,368	--
Commercial construction	--	--	--	--	174,691	174,691	--
Owner occupied one- to four-
family residential	423	454	2,475	3,352	83,038	86,390	183
Non-owner occupied one- to
four-family residential	3,222	229	1,173	4,624	139,476	144,100	115
Commercial real estate	7,591	161	9,765	17,517	740,162	757,679	--
Other residential	2,375	--	713	3,088	249,520	252,608	--
Commercial business	871	13	4,878	5,762	274,112	279,874	--
Industrial revenue bonds	--	--	--	--	41,016	41,016	--
Consumer auto	907	132	149	1,188	121,141	122,329	--
Consumer other	1,118	321	686	2,125	81,514	83,639	10
Home equity lines of credit	319	54	410	783	56,102	56,885	310
FDIC-supported loans, net of
discounts (TeamBank)	173	46	3,690	3,909	51,916	55,825	--
FDIC-supported loans, net of
discounts (Vantus Bank)	213	824	1,730	2,767	65,722	68,489	--
FDIC-supported loans,
net of discounts
(Sun Security Bank)	123	337	6,242	6,702	63,318	70,020	--
FDIC-supported loans,
net of discounts
(InterBank)	1,346	2,249	20,168	23,763	195,199	218,962	110
	27,633	5,002	53,218	83,853	2,456,740	2,542,593	728
Less FDIC-supported loans,
net of discounts	1,855	3,456	31,830	37,141	376,155	413,296	110

Total	$25,778	$1,546	$21,388	$48,713	$2,080,585	$2,129,297	$618

	December 31, 2012
							Total Loans
	30-59 Days	60-89 Days	Over 90	Total Past		Total Loans	> 90 Days and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$178	$--	$--	$178	$28,893	$29,071	$--
Subdivision construction	478	--	3	481	35,324	35,805	--
Land development	--	--	2,471	2,471	60,088	62,559	--
Commercial construction	--	--	--	--	150,515	150,515	--
Owner occupied one- to four-
family residential	3,305	263	2,352	5,920	77,939	83,859	237
Non-owner occupied one- to
four-family residential	2,600	--	1,905	4,505	140,953	145,458	--
Commercial real estate	1,346	726	8,324	10,396	681,981	692,377	--
Other residential	3,741	--	--	3,741	263,777	267,518	--
Commercial business	2,094	153	4,139	6,386	258,245	264,631	--
Industrial revenue bonds	--	--	2,110	2,110	41,652	43,762	--
Consumer auto	690	73	120	883	81,727	82,610	26
Consumer other	1,522	242	834	2,598	81,217	83,815	449
Home equity lines of credit	185	146	220	551	53,674	54,225	--
FDIC-supported loans, net of
discounts (TeamBank)	1,608	2,077	8,020	11,705	65,910	77,615	173
FDIC-supported loans, net of
discounts (Vantus Bank)	1,545	669	5,641	7,855	87,628	95,483	--
FDIC-supported loans,
net of discounts
(Sun Security Bank)	1,539	384	21,342	23,265	68,254	91,519	1,274
FDIC-supported loans, net of
discounts (InterBank)	10,212	4,662	33,928	48,802	210,430	259,232	347
	31,043	9,395	91,409	131,847	2,388,207	2,520,054	2,506
Less FDIC-supported loans,
net of discounts	14,904	7,792	68,931	91,627	432,222	523,849	1,794

Total	$16,139	$1,603	$22,478	$40,220	$1,955,985	$1,996,205	$712

Nonaccruing loans (excluding FDIC-supported loans, net of discount) are summarized as follows:

	September 30,	December 31,
	2013	2012
(In Thousands)
One- to four-family residential construction	$--	$--
Subdivision construction	879	3
Land development	260	2,471
Commercial construction	--	--
Owner occupied one- to four-family residential	2,292	2,115
Non-owner occupied one- to four-family residential	1,058	1,905
Commercial real estate	9,765	8,324
Other residential	713	--
Commercial business	4,878	6,249
Consumer auto	139	94
Consumer other	376	385
Home equity lines of credit	410	220

Total	$20,770	$21,766

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2013. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of September 30, 2013:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance July 1, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185
Provision (benefit) charged to expense	(234)	(372)	1,474	1,291	(1,732)	2,250	2,677
Losses charged off	(847)	(201)	(608)	(346)	(1,303)	(2,215)	(5,520)
Recoveries	87	6	888	50	648	435	2,114
Balance September 30, 2013	$5,131	$2,806	$18,173	$6,784	$3,277	$3,285	$39,456

Balance January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision charged to expense	292	1,329	6,736	3,413	137	2,666	14,573
Losses charged off	(2,088)	(2,887)	(7,138)	(675)	(2,672)	(3,884)	(19,344)
Recoveries	105	37	1,134	108	716	1,478	3,578
Balance September 30, 2013	$5,131	$2,806	$18,173	$6,784	$3,277	$3,285	$39,456

Ending balance:
Individually evaluated for
impairment	$1,650	$169	$2,416	$2,192	$1,512	$208	$8,147
Collectively evaluated for
impairment	$3,481	$2,637	$15,754	$4,592	$1,762	$3,071	$31,297
Loans acquired and
accounted for under ASC
310-30	$--	$--	$3	$--	$4	$5	$12

Loans
Individually evaluated for
impairment	$13,310	$11,367	$40,981	$15,444	$8,836	$1,189	$91,127
Collectively evaluated for
impairment	$284,897	$241,241	$757,715	$221,615	$271,038	$261,664	$2,038,170
Loans acquired and
accounted for under ASC
310-30	$235,141	$41,772	$94,417	$6,041	$6,780	$29,145	$413,296

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance July 1, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722
Provision (benefit) charged to expense	(724)	348	2,950	4,227	1,512	87	8,400
Losses charged off	(245)	(310)	(1,579)	(6,870)	(648)	(699)	(10,351)
Recoveries	65	22	448	471	110	420	1,536
Balance September 30, 2012	$6,995	$4,072	$17,411	$4,757	$4,315	$2,757	$40,307

Balance January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision (benefit) charged to expense	(1,830)	4,206	12,265	17,525	2,758	1,153	36,077
Losses charged off	(2,740)	(3,562)	(13,784)	(16,462)	(1,701)	(1,661)	(39,910)
Recoveries	141	340	540	712	284	891	2,908
Balance September 30, 2012	$6,995	$4,072	$17,411	$4,757	$4,315	$2,757	$40,307

The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Individually evaluated for
impairment	$2,288	$1,089	$4,990	$96	$2,778	$156	$11,397
Collectively evaluated for
impairment	$4,532	$3,239	$12,443	$3,842	$2,315	$2,864	$29,235
Loans acquired and
accounted for under ASC
310-30	$1	$--	$9	$--	$4	$3	$17

Loans
Individually evaluated for
impairment	$14,691	$16,405	$48,476	$12,009	$10,064	$980	$102,625
Collectively evaluated for
impairment	$279,502	$251,113	$687,663	$201,065	$254,567	$219,670	$1,893,580
Loans acquired and
accounted for under ASC
310-30	$278,889	$53,280	$129,128	$7,997	$14,939	$39,616	$523,849

The portfolio segments used in the preceding two tables correspond to the loan classes used in all other tables in Note 7 as follows:

· The one-to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes

· The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes

· The commercial construction segment includes the land development and commercial construction classes

· The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes

Impaired loans (excluding FDIC-supported loans, net of discount), are summarized as follows:

	September 30, 2013
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$--	$--	$--
Subdivision construction	3,785	3,896	851
Land development	15,444	15,848	2,192
Commercial construction	--	--	--
Owner occupied one- to four-family residential	5,174	5,393	430
Non-owner occupied one- to four-family residential	4,351	5,233	369
Commercial real estate	40,981	42,507	2,416
Other residential	11,367	11,367	169
Commercial business	6,138	6,140	1,512
Industrial revenue bonds	2,698	2,778	--
Consumer auto	184	228	28
Consumer other	595	664	89
Home equity lines of credit	410	424	91

Total	$91,127	$94,478	$8,147

	Three Months Ended		Nine Months Ended
	September 30, 2013		September 30, 2013
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$48	$--	$48	$5
Subdivision construction	4,062	34	3,206	140
Land development	15,573	111	13,025	477
Commercial construction	--	--	--	--
Owner occupied one- to four-family residential	5,035	60	4,899	176
Non-owner occupied one- to four-family residential	4,832	12	5,112	173
Commercial real estate	40,792	506	44,374	1,246
Other residential	11,444	136	14,895	353
Commercial business	6,274	86	7,074	161
Industrial revenue bonds	2,698	--	2,701	14
Consumer auto	153	7	130	11
Consumer other	593	12	639	44
Home equity lines of credit	333	10	316	20

Total	$91,837	$974	$96,419	$2,820

	September 30, 2012
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$612	$612	$283
Subdivision construction	3,204	4,854	310
Land development	11,922	18,665	755
Commercial construction	--	--	--
Owner occupied one- to four-family residential	5,168	5,392	493
Non-owner occupied one- to four-family residential	9,067	9,491	615
Commercial real estate	49,052	49,921	3,299
Other residential	18,517	19,781	711
Commercial business	3,423	3,774	1,541
Industrial revenue bonds	2,785	2,865	--
Consumer auto	160	177	25
Consumer other	781	837	116
Home equity lines of credit	177	177	36

Total	$104,868	$116,546	$8,184

	Three Months Ended		Nine Months Ended
	September 30, 2012		September 30, 2012
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized

(In Thousands)
One- to four-family residential construction	$612	$6	$738	$17
Subdivision construction	3,188	153	10,225	153
Land development	15,826	19	12,286	408
Commercial construction	1,020	--	510	--
Owner occupied one- to four-family residential	4,970	93	5,094	208
Non-owner occupied one- to four-family residential	10,389	--	10,854	289
Commercial real estate	42,607	154	44,223	1,742
Other residential	17,718	223	17,408	686
Commercial business	3,290	35	3,927	119
Industrial revenue bonds	3,267	--	3,117	--
Consumer auto	154	4	163	12
Consumer other	679	20	662	60
Home equity lines of credit	134	6	136	9

Total	$103,854	$1,313	$109,343	$3,703

At September 30, 2013, $27.4 million of impaired loans had specific valuation allowances totaling $8.1 million. At December 31, 2012, $43.4 million of impaired loans had specific valuation allowances totaling $11.4 million.

Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach.

The following table presents newly restructured loans during the three and nine months ended September 30, 2013 by type of modification:

At September 30, 2013, the Company had $48.1 million of loans that were modified in troubled debt restructurings and impaired, as follows: $7.3 million of construction and land development loans, $15.3 million of single family and multi-family residential mortgage loans, $24.4 million of commercial real estate loans, $827,000 of commercial business loans and $289,000 of consumer loans. Of the total troubled debt restructurings at September 30, 2013, $45.6 million were accruing interest and $12.6 million were classified as substandard using the Company’s internal grading system, which is described below. The Company had troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the nine months ended September 30, 2013 of approximately $1.4 million, including three commercial real estate loans totaling $912,000, three non-owner occupied residential mortgage loan totaling $260,000, two owner occupied residential mortgage loan totaling $187,000, three consumer loans totaling $41,000, and one commercial business loan totaling $13,000. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2012, the Company had $2.8 million of construction loans, $15.0 million of single family and multi-family residential mortgage loans, $26.9 million of commercial real estate loans, $1.9 million of commercial business loans and $167,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings at December 31, 2012, $38.1 million were accruing interest and $14.6 million were classified as substandard and $1.0 million were classified as doubtful using the Company’s internal grading system.

During the three months ended September 30, 2013, there were no borrowers with loans designated as troubled debt restructurings that met the criteria for placement back on accrual status. This criteria is a minimum of six months of payment performance under existing or modified terms.

During the nine months ended September 30, 2013, borrowers with loans designated as troubled debt restructurings totaling $2.2 million met the criteria for placement back on accrual status. The $2.2 million was made up of $2.1 million of residential mortgage loans, $92,000 of commercial real estate loans and $4,000 of consumer loans.

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. These loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC. Minimal adverse classification in the loan pools was identified as of September 30, 2013 and December 31, 2012, respectively. See Note 8 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:

		September 30, 2013
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$33,390	$64	$--	$--	$--	$33,454
Subdivision construction	29,840	1,230	--	3,194	--	34,264
Land development	47,007	1,464	--	13,896	--	62,367
Commercial construction	174,691	--	--	--	--	174,691
Owner occupied one- to four-
family residential	82,953	497	--	2,940	--	86,390
Non-owner occupied one- to four-
family residential	135,512	5,954	--	2,635	--	144,101
Commercial real estate	698,740	37,242	--	21,696	--	757,678
Other residential	237,645	12,790	--	2,173	--	252,608
Commercial business	272,966	868	--	6,041	--	279,874
Industrial revenue bonds	38,319	675	--	2,023	--	41,017
Consumer auto	122,158	--	--	171	--	122,329
Consumer other	83,154	6	--	478	--	83,638
Home equity lines of credit	54,589	--	1,885	410	--	56,885
FDIC-supported loans, net of
Discounts (TeamBank)	55,626	--	--	199	--	55,825
FDIC-supported loans, net of
discounts (Vantus Bank)	68,186	--	--	304	--	68,490
FDIC-supported loans, net of
discounts (Sun Security Bank)	70,020	--	--	--	--	70,020
FDIC-supported loans, net of
discounts (InterBank)	218,962	--	--	--	--	218,962

Total	$2,423,758	$60,790	$1,885	$56,160	$--	$2,542,593

		December 31, 2012
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$28,662	$--	$--	$409	$--	$29,071
Subdivision construction	31,156	2,993	--	1,656	--	35,805
Land development	47,388	3,887	--	11,284	--	62,559
Commercial construction	150,515	--	--	--	--	150,515
Owner occupied one- to four-
family residential	79,411	792	--	3,656	--	83,859
Non-owner occupied one- to four-
family residential	132,073	7,884	--	5,501	--	145,458
Commercial real estate	619,387	42,753	--	30,237	--	692,377
Other residential	252,238	6,793	--	8,487	--	267,518
Commercial business	253,165	4,286	--	6,180	1,000	264,631
Industrial revenue bonds	40,977	675	--	2,110	--	43,762
Consumer auto	82,467	--	--	143	--	82,610
Consumer other	83,250	--	--	565	--	83,815
Home equity lines of credit	52,076	--	1,913	236	--	54,225
FDIC-supported loans, net of
Discounts (TeamBank)	77,568	--	--	47	--	77,615
FDIC-supported loans, net of
discounts (Vantus Bank)	95,281	--	--	202	--	95,483
FDIC-supported loans, net of
discounts (Sun Security Bank)	91,519	--	--	--	--	91,519
FDIC-supported loans, net of
discounts (InterBank)	259,210	--	--	22	--	259,232

Total	$2,376,343	$70,063	$1,913	$70,735	$1,000	$2,520,054