Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2018

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WAUWATOSA, Wis., Oct. 23, 2018 (GLOBE NEWSWIRE) — Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank, reported net income of $8.7 million, or $0.31 per diluted share for the quarter ended September 30, 2018 compared to $7.4 million, or $0.26 per diluted share for the quarter ended September 30, 2017. Net income per diluted share was $0.90 for the nine months ended September 30, 2018 compared to net income per diluted share of $0.82 for the nine months ended September 30, 2017.

  <p align="justify">"We executed a strong third quarter performance with net income of $8.7 million and earnings per share of $0.31," said Douglas Gordon, CEO of Waterstone Financial, Inc. "We followed up a record 2nd quarter net income with record net income for a 3rd quarter, based largely upon the strength of the Community Banking segment. The Community Banking segment had a 36.4% growth in net income which reflected continued net interest margin improvement and expense management. The Mortgage Banking segment underperformed last year's profitability due to margin compression in the third quarter of 2018 which resulted in greater branch losses. The industry continues to face pressures as market competition remains strong from lower refinancing activity and diminished levels of housing inventory. In an effort to improve profitability, we closed a number of underperforming branches which negatively impacted the bottom line for the quarter.&nbsp; However, we achieved a record origination month in August due to the addition of the New Mexico branch at the end of the second quarter."</p>      <p align="justify">Highlights of the Quarter Ended September 30, 2018</p>      <p align="justify">Waterstone Financial, Inc. (Consolidated)</p>      <ul><li>Consolidated net income of Waterstone Financial, Inc. totaled $8.7 million for the quarter ended September 30, 2018, compared to $7.4 million for the quarter ended September 30, 2017.</li><li>Consolidated return on average assets totaled 1.80% for the quarter ended September 30, 2018 compared to 1.56% for the quarter ended September 30, 2017.</li><li>Consolidated return on average equity increased 136 bps to 8.48% for the quarter ended September 30, 2018 compared to 7.12% for the quarter ended September 30, 2017.</li><li>The effective income tax rate amounted to 24.0% for the quarter ended September 30, 2018 compared to 37.1% for the quarter ended September 30, 2017 primarily as a result of the Tax Cuts and Jobs Act reducing the federal rate from 35% to 21%.</li><li>Dividends declared totaled $0.12 per share during the quarter ended September 30, 2018 amounting to a total of $0.86 in dividends declared per share during the nine months ended September 30, 2018.</li><li>Repurchased a total 321,900 shares on the open market during the quarter ended September 30, 2018 at an average price of $17.02 per share. For the nine months ended, repurchased a total of 527,500 shares at an average price of $17.06.</li></ul><p align="justify"><strong>Community Banking Segment</strong></p>      <ul><li>Pre-tax income of the segment totaled $8.6 million for the quarter ended September 30, 2018, which represents a 15.8% increase compared to $7.5 million for the quarter ended September 30, 2017.</li><li>Net interest income of the segment totaled $14.1 million for the quarter ended September 30, 2018, which represents a 7.6% increase compared to $13.1 million for the quarter ended September 30, 2017. Our net interest margin increased 12 bps to 3.07% for the quarter ended September 30, 2018 compared to 2.95% for the quarter ended September 30, 2017, which was driven by loan growth along with a decrease in borrowing costs.</li><li>Noninterest income increased $151,000&nbsp;million for the quarter ended September 30, 2018 compared to the quarter ended September 30, 2017 as fees earned on loans increased.</li><li>Noninterest expenses decreased&nbsp;for the quarter ended September 30, 2018 compared to the quarter ended September 30, 2017 as compensation and real estate owned expenses decreased.</li><li>Driven by net interest margin expansion and continued cost control efforts, the efficiency ratio for the community banking segment improved to 44.1% for the quarter ended September 30, 2018, compared to 47.8% for the quarter ended September 30, 2017. This was a quarterly record for the Community Banking Segment.</li><li>Average loans held for investment totaled $1.34 billion during the quarter ended September 30, 2018, which represents an increase of $91.3 million, or 7.3% over the comparable quarter in the prior year.</li><li>Average deposits totaled $1.01 billion during the quarter ended September 30, 2018, which represents an increase of $48.3 million, or 5.0%, over the comparable quarter in the prior year.</li><li>Nonperforming assets as percentage of total assets was 0.45% at September 30, 2018 and June 30, 2018 and 0.62% at September 30, 2017.</li></ul><p align="justify"><strong>Mortgage Banking Segment</strong></p>      <ul><li>Pre-tax income of the segment totaled $2.8 million for the quarter ended September 30, 2018, which represents a 35.0% decrease compared to $4.3 million for the quarter ended September 30, 2017.</li><li>Loan originations increased $76.7 million, or 11.2%, to $761.2 million during the quarter ended September 30, 2018, compared to $684.5 million during the quarter ended September 30, 2017.&nbsp; Origination volume relative to purchase activity accounted for 92.1% of&nbsp;originations for the quarter ended September 30, 2018 compared to 89.6% of total originations for the quarter ended September 30, 2017.</li><li>Gross margins on loans sold decreased approximately 10% during the quarter ended September 30, 2018, compared to the quarter ended September 30, 2017.</li></ul><strong>About Waterstone Financial, Inc.</strong></p>      <p align="justify">Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank. WaterStone Bank was established in 1921 and offers a full suite of personal and business banking products. The Bank has branches in Wauwatosa, Brookfield, Fox Point/North Shore, Franklin/Hales Corners, Germantown/Menomonee Falls, Greenfield, Oak Creek, Oconomowoc/Lake Country, Pewaukee, Waukesha/Brookfield, and West Allis, Wisconsin and a commercial lending office in Minneapolis, Minnesota. WaterStone Bank is the parent company to Waterstone Mortgage, which has the ability to lend in 47 states. For more information about WaterStone Bank, go to http://www.wsbonline.com.</p>      <p><strong>Forward-Looking Statements</strong></p>      <p align="justify">This press release contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995.&nbsp; Such forward-looking statements include, without limitation, statements regarding expected financial and operating activities and results that are preceded by, followed by, or that include words such as "may," "expects," "anticipates," "estimates" or "believes."&nbsp; Such statements are subject to important factors that could cause actual results to differ materially from those anticipated by the forward-looking statements.&nbsp; These factors include (i) exposure to the deterioration in the commercial and residential real estate markets which could result in increased charge-offs and increases in the allowance for loan losses,&nbsp; (ii) various other factors, including changes in economic conditions affecting borrowers, new information regarding outstanding loans and identification of additional problem loans, which could require an increase in the allowance for loan losses, (iii) Waterstone's ability to maintain required levels of capital and other current and future regulatory requirements, (iv) the impact of recent and future legislative initiatives on the financial markets, and (v) those factors referenced in Item 1A. Risk Factors in Waterstone's most recent Annual Report on Form 10-K and as may be described from time to time in Waterstone's subsequent SEC filings, which factors are incorporated herein by reference.&nbsp; Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect only Waterstone's belief as of the date of this press release.</p>   <table class="gnw_table_border_collapse hugin"><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="15">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="15"><strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="15"><strong>CONSOLIDATED STATEMENTS OF INCOME</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="15"><strong>(Unaudited)</strong>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="15">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="6"><strong>For The Three Months<br>Ended September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="6"><strong>For The Nine Months<br>Ended September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin" colspan="10">&nbsp;</td><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_hidden_cell gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="10">(In Thousands, except per share amounts)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Interest income:</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loans</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">17,340</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">15,855</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">49,498</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">45,078</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Mortgage-related securities</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">643</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">647</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,925</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,021</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Debt securities, federal funds sold and short-term investments</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">1,063</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">951</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,949</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,680</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total interest income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">19,046</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">17,453</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">54,372</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">49,779</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Interest expense:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Deposits</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3,063</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,981</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8,087</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">5,614</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Borrowings</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,133</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,439</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">5,574</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,756</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total interest expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">5,196</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">4,420</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">13,661</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">12,370</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,850</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,033</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">40,711</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">37,409</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Provision for loan losses</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">40</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">20</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">(1,060</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">(1,166</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest income after provision for loan losses</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,810</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,013</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">41,771</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">38,575</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Noninterest income:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Service charges on loans and deposits</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">442</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">300</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,332</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,148</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Increase in cash surrender value of life insurance</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">695</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">688</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,496</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,476</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loss on sale of available for sale securities</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(107</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Mortgage banking income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">32,653</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">31,863</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">88,930</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">92,774</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Other</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">272</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">203</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">805</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">941</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest income</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">34,062</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">33,054</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">92,563</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">96,232</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Noninterest expenses:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Compensation, payroll taxes, and other employee benefits</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,453</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">26,153</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">74,670</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">73,732</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Occupancy, office furniture, and equipment</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,751</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,533</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7,995</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7,587</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Advertising</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,224</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">821</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3,084</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,414</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Data processing</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">809</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">623</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,057</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,854</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Communications</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">412</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">394</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,229</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,170</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Professional fees</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">583</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">629</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,930</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,953</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Real estate owned</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(128</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(20</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">63</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">258</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">FDIC insurance premiums</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">131</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">129</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">361</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">366</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Other</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">3,191</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">3,054</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">9,921</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">10,227</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest expenses</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">36,426</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">34,316</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">101,310</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">99,561</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income before income taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">11,446</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">11,751</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">33,024</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">35,246</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income tax expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,743</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">4,362</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">7,948</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">12,397</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net income</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">8,703</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">7,389</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">25,076</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">22,849</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income per share:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Basic</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.32</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.27</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.91</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.83</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Diluted</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.31</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.26</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.90</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.82</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Weighted average shares outstanding:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Basic</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,451</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,532</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,488</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,449</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Diluted</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,680</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,953</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,765</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,927</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr></table><p><br></p>   <table class="gnw_table_border_collapse hugin"><tr><td class="gnw_label_i10 gnw_align_center gnw_vertical_align_bottom hugin" colspan="7">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_label_i10 gnw_align_center gnw_vertical_align_bottom hugin" colspan="7"><strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="7"><strong>CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="7">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>December 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>(Unaudited)</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Assets</strong></td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="6">(In Thousands, except per share amounts)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Cash</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">32,966</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">22,306</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Federal funds sold</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">18,352</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">17,034</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Interest-earning deposits in other financial institutions and other short term investments</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">7,538</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">9,267</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Cash and cash equivalents</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">58,856</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">48,607</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Securities available for sale (at fair value)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">179,076</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">199,707</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loans held for sale (at fair value)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">192,674</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">149,896</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loans receivable</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,357,656</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,291,814</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Less: Allowance for loan losses</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">13,226</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">14,077</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loans receivable, net</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,344,430</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,277,737</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Office properties and equipment, net</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">22,417</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">22,941</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Federal Home Loan Bank stock (at cost)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">19,575</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">16,875</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Cash surrender value of life insurance</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">67,198</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">65,996</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Real estate owned, net</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,170</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">4,558</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Prepaid expenses and other assets</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">33,007</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">20,084</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total assets</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,919,403</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,806,401</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Liabilities and Shareholders' Equity</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Liabilities:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Demand deposits</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">130,969</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">129,597</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Money market and savings deposits</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">159,742</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">148,804</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Time deposits</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">713,739</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">688,979</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total deposits</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,004,450</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">967,380</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Borrowings</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">451,132</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">386,285</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Advance payments by borrowers for taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">30,460</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">4,876</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Other liabilities</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">28,717</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">35,756</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total liabilities</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,514,759</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,394,297</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Shareholders' equity:</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Common stock</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">291</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">295</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Additional paid-in capital</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">329,743</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">326,655</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Retained earnings</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">184,697</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">183,358</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Unearned ESOP shares</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(18,101</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(18,991</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Accumulated other comprehensive loss, net of taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(3,808</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(477</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Cost of shares repurchased</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">(88,178</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">(78,736</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total shareholders' equity</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">404,644</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">412,104</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total liabilities and shareholders' equity</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,919,403</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,806,401</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Share Information</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Shares Outstanding</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">29,050</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">29,501</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Book Value per share</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13.93</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13.97</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Closing market price</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">17.15</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">17.05</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Price to book ratio</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">123.12</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">122.05</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr></table><p><br></p>   <table class="gnw_table_border_collapse hugin"><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>WATERSTONE FINANCIAL, INC. AND SUBSIDIARIES</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>SUMMARY OF KEY QUARTERLY FINANCIAL DATA</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>(Unaudited)</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="6"><strong>At or For the Three<br>Months Ended</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>June 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>March 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>December 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="6">(Dollars in Thousands)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Condensed Results of Operations:</strong></td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest income</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,850</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,720</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,141</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,324</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,033</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Provision for loan losses</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">40</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(220</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(880</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">20</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">34,062</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">33,318</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">25,183</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">28,181</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">33,054</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">36,426</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">34,737</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">30,147</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">32,318</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">34,316</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income before income taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">11,446</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">12,521</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">9,057</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">9,187</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">11,751</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income tax expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,743</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">3,101</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,104</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,072</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">4,362</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net income</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">8,703</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">9,420</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">6,953</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">3,115</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">7,389</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income per share &ndash; basic</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.32</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.34</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.25</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.11</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.27</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income per share &ndash; diluted</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.31</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.34</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.25</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.11</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.26</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Dividends declared per share</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.12</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.12</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.62</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.12</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.12</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Performance Ratios:</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Return on average assets - QTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.80</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2.02</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.57</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.67</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.56</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Return on average equity - QTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8.48</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">9.40</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">6.90</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2.98</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7.12</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest margin - QTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.07</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.14</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.18</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.08</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2.95</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Return on average assets - YTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.80</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.80</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.57</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.43</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1.70</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Return on average equity - YTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8.25</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8.13</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">6.90</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">6.32</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7.42</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest margin - YTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.13</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.16</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.18</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3.00</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2.97</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Asset Quality Ratios:</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Past due loans to total loans</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.67</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.54</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.53</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.45</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.71</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Non accrual loans to total loans</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.48</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.46</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.50</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.47</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.56</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Non performing assets to total assets</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.45</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.45</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.54</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.59</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">0.62</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr></table><p><br></p>   <table class="gnw_table_border_collapse hugin"><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>COMMUNITY BANKING SEGMENT</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>SUMMARY OF KEY QUARTERLY FINANCIAL DATA</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>(Unaudited)</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="18"><strong>At or For the Three Months Ended</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>June 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>March 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>December 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="18">(Dollars in Thousands)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Condensed Results of Operations:</strong></td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest income</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">14,121</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,747</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,304</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,375</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13,120</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Provision for loan losses</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(250</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(900</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,312</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,137</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">939</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">974</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,161</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,800</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,588</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">7,682</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,939</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">6,824</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income before income taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8,633</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">8,546</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7,461</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7,410</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7,457</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income tax expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,003</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">1,970</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">1,668</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">5,570</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">2,597</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net income</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">6,630</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">6,576</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">5,793</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,840</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">4,860</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Efficiency ratio - QTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">44.06</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">44.27</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">53.94</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">48.36</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">47.78</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Efficiency ratio - YTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">47.28</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">49.00</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">53.94</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">49.98</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">50.56</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr></table><p><br></p>   <table class="gnw_table_border_collapse hugin"><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>MORTGAGE BANKING SEGMENT</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>SUMMARY OF KEY QUARTERLY FINANCIAL DATA</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="19"><strong>(Unaudited)</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="18"><strong>At or For the Three Months Ended</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>June 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>March 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>December 31,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>September 30,</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2018</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_center gnw_vertical_align_bottom hugin" colspan="2"><strong>2017</strong></td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_center gnw_vertical_align_bottom hugin" colspan="18">(Dollars in Thousands)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin"><strong>Condensed Results of Operations:</strong></td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin" colspan="2">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net interest income</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(286</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">$</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(40</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(192</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(72</td><td class="gnw_vertical_align_bottom hugin">)</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">(102</td><td class="gnw_vertical_align_bottom hugin">)</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Provision for loan losses</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">40</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">30</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">20</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">-</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">20</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest income</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">33,165</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">32,547</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">24,731</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">27,645</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">32,318</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Total noninterest expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">30,036</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">28,493</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">22,941</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">25,791</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">27,882</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income before income taxes</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">2,803</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">3,984</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,578</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">1,782</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">4,314</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Income tax expense</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">737</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">1,133</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">435</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">509</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_solid gnw_align_right gnw_vertical_align_bottom hugin">1,767</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Net income</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">2,066</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">$</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">2,851</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,143</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">1,273</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_border_bottom_double gnw_align_right gnw_vertical_align_bottom hugin">2,547</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Efficiency ratio - QTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">91.35</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">87.65</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">93.49</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">93.54</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">86.55</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Efficiency ratio - YTD</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">90.60</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">90.16</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">93.49</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">86.93</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">85.00</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Loan Originations</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">761,206</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">721,184</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">516,020</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">600,265</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">684,500</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Purchase</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">92.1</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">92.6</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">85.1</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">86.7</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">89.6</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">Refinance</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7.9</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">7.4</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">14.9</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">13.3</td><td class="gnw_vertical_align_bottom hugin">%</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">10.4</td><td class="gnw_vertical_align_bottom hugin">%</td></tr><tr><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_align_right gnw_vertical_align_bottom hugin">&nbsp;</td><td class="gnw_vertical_align_bottom hugin">&nbsp;</td></tr></table><p>Contact: Mark R. Gerke<br>Chief Financial Officer<br>414.459.4012<br>[email protected]

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Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2018

Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Nine Months Ended September 30, 2018