	December 31, 2013
							Total Loans
						Total	> 90 Days Past
	30-59 Days	60-89 Days	Over 90	Total Past		Loans	Due and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$--	$--	$--	$--	$34,662	$34,662	$--
Subdivision construction	--	--	871	871	39,538	40,409	--
Land development	145	38	338	521	57,320	57,841	--
Commercial construction	--	--	--	--	184,019	184,019	--
Owner occupied one- to four-
family residential	1,233	344	3,014	4,591	84,542	89,133	211
Non-owner occupied one- to
four-family residential	1,562	171	843	2,576	143,332	145,908	140
Commercial real estate	2,856	131	6,205	9,192	771,498	780,690	--
Other residential	--	--	--	--	325,599	325,599	--
Commercial business	17	19	5,208	5,244	310,025	315,269	--
Industrial revenue bonds	--	--	2,023	2,023	40,207	42,230	--
Consumer auto	955	127	168	1,250	133,467	134,717	--
Consumer other	1,258	333	732	2,323	79,937	82,260	257
Home equity lines of credit	168	16	504	688	57,595	58,283	--
FDIC-supported loans, net of
discounts (TeamBank)	414	130	1,396	1,940	47,922	49,862	6
FDIC-supported loans, net of
discounts (Vantus Bank)	675	31	2,356	3,062	54,858	57,920	42
FDIC-supported loans,
net of discounts
(Sun Security Bank)	510	121	4,241	4,872	59,971	64,843	147
FDIC-supported loans, net of
discounts (InterBank)	6,024	1,567	16,768	24,359	189,180	213,539	20
	15,817	3,028	44,667	63,512	2,613,672	2,677,184	823
Less FDIC-supported loans,
net of discounts	7,623	1,849	24,761	34,233	351,931	386,164	215

Total legacy loans	$8,194	$1,179	$19,906	$29,279	$2,261,741	$2,291,020	$608

	December 31, 2012
							Total Loans
						Total	> 90 Days Past
	30-59 Days	60-89 Days	Over 90	Total Past		Loans	Due 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 legacy loans	$16,139	$1,603	$22,478	$40,220	$1,955,985	$1,996,205	$712

	December 31,
	2013	2012
(In Thousands)
One- to four-family residential construction	$--	$--
Subdivision construction	871	3
Land development	338	2,471
Commercial construction	--	--
Owner occupied one- to four-family residential	2,803	2,115
Non-owner occupied one- to four-family residential	703	1,905
Commercial real estate	6,205	8,324
Other residential	--	--
Commercial business	5,208	6,249
Industrial revenue bonds	2,023	--
Consumer auto	168	94
Consumer other	475	385
Home equity lines of credit	504	220

Total	$19,298	$21,766

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2013, 2012 and 2011. 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 December 31, 2013, 2012 and 2011:

	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, January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision charged to expense	1,496	1,556	6,922	1,142	4,404	1,866	17,386
Losses charged off	(2,196)	(3,248)	(9,836)	(788)	(4,072)	(3,312)	(23,452)
Recoveries	113	43	2,412	172	1,023	1,770	5,533

Balance,
December 31, 2013	$6,235	$2,678	$16,939	$4,464	$6,451	$3,349	$40,116

Ending balance:
Individually evaluated
for impairment	$2,501	$--	$90	$473	$4,162	$218	$7,444
Collectively evaluated
for impairment	$3,734	$2,678	$16,845	$3,991	$2,287	$3,131	$32,666
Loans acquired and
accounted for under
ASC 310-30	$--	$--	$4	$--	$2	$--	$6

Loans
Individually evaluated
for impairment	$13,055	$10,983	$31,591	$12,628	$8,755	$1,389	$78,401
Collectively evaluated
for impairment	$297,057	$314,616	$791,329	$229,232	$306,514	$273,871	$2,212,619
Loans acquired and
accounted for under
ASC 310-30	$206,964	$35,095	$84,591	$6,989	$4,883	$47,642	$386,164

	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, January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision charged to expense	(1,626)	4,471	16,360	18,101	4,897	1,660	43,863
Losses charged off	(3,203)	(3,579)	(18,010)	(18,027)	(3,082)	(2,390)	(48,291)
Recoveries	227	347	701	882	307	1,381	3,845

Balance,
December 31, 2012	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649

Ending balance:
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

	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, January 1, 2011	$11,483	$3,866	$14,336	$5,852	$3,281	$2,669	$41,487
Provision charged to expense	7,995	5,693	17,859	1,020	1,459	1,310	35,336
Losses charged off	(8,333)	(8,018)	(13,862)	(4,103)	(2,842)	(3,496)	(40,654)
Recoveries	279	1,547	57	213	1,076	1,891	5,063
Balance,
December 31, 2011	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232

Ending balance:
Individually evaluated for
impairment	$4,989	$89	$3,584	$594	$736	$38	$10,030
Collectively evaluated for
impairment	$6,435	$2,999	$14,806	$2,358	$2,238	$2,336	$31,172
Loans acquired and
accounted for under
ASC 310-30	$--	$--	$--	$30	$--	$--	$30

Loans
Individually evaluated for
impairment	$39,519	$20,802	$99,254	$27,592	$10,720	$839	$198,726
Collectively evaluated for
impairment	$283,371	$222,940	$600,353	$160,768	$225,665	$183,183	$1,676,280
Loans acquired and
accounted for under
ASC 310-30	$109,909	$25,877	$157,805	$40,215	$28,784	$33,947	$396,537

The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 3 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 commercial business segment corresponds to the commercial business class.

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

The weighted average interest rate on loans receivable at December 31, 2013 and 2012, was 5.10% and 5.39%, respectively.

Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of loans serviced for others were $166.2 million and $158.4 million at December 31, 2013 and 2012, respectively. In addition, available lines of credit on these loans were $15.7 million and $15.7 million at December 31, 2013 and 2012, respectively.

A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.

The following summarizes information regarding impaired loans at and during the years ended December 31, 2013, 2012 and 2011:

				Year Ended
	December 31, 2013			December 31, 2013
				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$--	$--	$--	$36	$--
Subdivision construction	3,502	3,531	1,659	3,315	163
Land development	12,628	13,042	473	13,389	560
Commercial construction	--	--	--	--	--
Owner occupied one- to four-family residential	5,802	6,117	593	5,101	251
Non-owner occupied one- to four-family residential	3,751	4,003	249	4,797	195
Commercial real estate	31,591	34,032	90	42,242	1,632
Other residential	10,983	10,983	--	13,837	434
Commercial business	6,057	6,077	4,162	6,821	179
Industrial revenue bonds	2,698	2,778	--	2,700	27
Consumer auto	216	231	32	145	16
Consumer other	604	700	91	630	63
Home equity lines of credit	569	706	95	391	38
Total	$78,401	$82,200	$7,444	$93,404	$3,558

				Year Ended
	December 31, 2012			December 31, 2012
				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$410	$410	$239	$679	$22
Subdivision construction	2,577	2,580	688	8,399	143
Land development	12,009	13,204	96	12,614	656
Commercial construction	--	--	--	383	--
Owner occupied one- to four-family residential	5,627	6,037	550	5,174	295
Non-owner occupied one- to four-family residential	6,077	6,290	811	10,045	330
Commercial real estate	48,476	49,779	4,990	45,181	2,176
Other residential	16,405	16,405	1,089	16,951	836
Commercial business	7,279	8,615	2,778	4,851	329
Industrial revenue bonds	2,785	2,865	--	3,034	5
Consumer auto	143	170	22	157	17
Consumer other	602	682	89	654	65
Home equity lines of credit	235	248	45	162	15
Total	$102,625	$107,285	$11,397	$108,284	$4,889

				Year Ended
	December 31, 2011			December 31, 2011
				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$873	$917	$12	$1,939	$39
Subdivision construction	12,999	14,730	2,953	10,154	282
Land development	7,150	7,317	594	9,983	379
Commercial construction	--	--	--	308	--
Owner occupied one- to four-family residential	5,481	6,105	776	4,748	76
Non-owner occupied one- to four-family residential	11,259	11,768	1,249	9,658	425
Commercial real estate	49,961	55,233	3,562	34,403	1,616
Other residential	12,102	12,102	89	9,475	454
Commercial business	4,679	5,483	736	4,173	125
Industrial revenue bonds	2,110	2,190	22	2,137	--
Consumer auto	147	168	3	192	6
Consumer other	579	680	22	544	10
Home equity lines of credit	174	184	12	227	1
Total	$107,514	$116,877	$10,030	$87,941	$3,413

At December 31, 2013, $18.0 million of impaired loans had specific valuation allowances totaling $7.4 million. At December 31, 2012, $43.4 million of impaired loans had specific valuation allowances totaling $11.4 million. At December 31, 2011, all impaired loans had specific valuation allowances totaling $10.0 million. Previous to the third quarter of 2012, the Company reported all impaired loans as having specific valuation allowances, even though in many instances the allowance assigned to a particular loan was actually only the general valuation percentage used for that particular category of loans. In the third quarter of 2012, the Company began reporting specific valuation allowances on impaired loans only if the recorded loan balance was greater than the calculated fair value of the collateral supporting the loan. This change was also factored into the general valuation allowances recorded by the Company, and did not result in a significant change to the overall allowance for loan losses recorded by the Company. For impaired loans which were nonaccruing, interest of approximately $1.6 million, $1.8 million and $2.4 million would have been recognized on an accrual basis during the years ended December 31, 2013, 2012 and 2011, respectively.

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 2013 and 2012 by type of modification:

At December 31, 2013, the Company had $54.1 million of loans that were modified in troubled debt restructurings and impaired, as follows: $10.9 million of construction and land development loans, $16.6 million of single family and multi-family residential mortgage loans, $24.8 million of commercial real estate loans, $1.5 million of commercial business loans and $310,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2013, $49.6 million were accruing interest and $22.1 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 year ended December 31, 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, $7.1 million of residential mortgage loans, $26.9 million of commercial real estate loans, $7.9 million of other residential 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 year ended December 31, 2013, borrowers with loans designated as troubled debt restructurings totaling $2.3 million met the criteria for placement back on accrual status. The $2.3 million was made up of $2.2 million of residential mortgage loans, $92,000 of commercial real estate loans and $8,000 of consumer loans. This criteria is a minimum of six months of payment performance under existing or modified terms.

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention” and “Substandard.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. 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. However, since these loans are accounted for in pools and are currently covered through loss sharing agreements with the FDIC, all of the loan pools were considered satisfactory at December 31, 2013 and 2012, respectively. See Note 4 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:

			December 31, 2013
				Special
	Satisfactory	Watch		Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$34,364	$298		$--	$--	$--	$34,662
Subdivision construction	36,524	706		--	3,179	--	40,409
Land development	45,606	1,148		--	11,087	--	57,841
Commercial construction	184,019	--		--	--	--	184,019
Owner occupied one- to-four-
family residential	84,931	503		--	3,699	--	89,133
Non-owner occupied one- to-
four-family residential	137,003	6,718		--	2,187	--	145,908
Commercial real estate	727,668	37,937		--	15,085	--	780,690
Other residential	311,320	12,323		--	1,956	--	325,599
Commercial business	307,540	1,803		--	3,528	2,398	315,269
Industrial revenue bonds	39,532	675		--	2,023	--	42,230
Consumer auto	134,516	--		--	201	--	134,717
Consumer other	81,769	6		--	485	--	82,260
Home equity lines of credit	57,713	--		--	570	--	58,283
FDIC-supported loans, net of
discounts (TeamBank)	49,702	--		--	160	--	49,862
FDIC-supported loans, net of
discounts (Vantus Bank)	57,290	--		--	630	--	57,920
FDIC-supported loans, net of
discounts (Sun Security Bank)	63,360	--		--	1,483	--	64,843
FDIC-supported loans, net of
discounts (InterBank)	213,539	--		--	--	--	213,539

Total	$2,566,396	$62,117		$--	$46,273	$2,398	$2,677,184

			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

Certain of the Bank’s real estate loans are pledged as collateral for borrowings as set forth in Notes 9 and 11.

Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 2013 and 2012, loans outstanding to these directors and executive officers are summarized as follows: