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

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

	December 31, 2011
							Total Loans
	30-59 Days	60-89 Days	Over 90	Total Past		Total Loans	> 90 Days and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$2,082	$342	$186	$2,610	$21,366	$23,976	$--
Subdivision construction	4,014	388	6,661	11,063	50,077	61,140	--
Land development	--	4	2,655	2,659	66,112	68,771	--
Commercial construction	--	--	--	--	119,589	119,589	--
Owner occupied one- to four-
family residential	833	--	3,888	4,721	87,273	91,994	40
Non-owner occupied one- to
four-family residential	117	--	3,425	3,542	142,239	145,781	--
Commercial real estate	6,323	535	6,204	13,062	626,795	639,857	--
Other residential	--	--	--	--	243,742	243,742	--
Commercial business	426	10	1,362	1,798	234,586	236,384	--
Industrial revenue bonds	--	--	2,110	2,110	57,640	59,750	--
Consumer auto	455	56	117	628	58,740	59,368	10
Consumer other	1,508	641	715	2,864	74,676	77,540	356
Home equity lines of credit	45	29	174	248	46,866	47,114	--
FDIC-supported loans, net of
discounts (TeamBank)	2,422	862	19,215	22,499	106,376	128,875	--
FDIC-supported loans, net of
discounts (Vantus Bank)	562	57	5,999	6,618	116,418	123,036	5
FDIC-supported loans,
net of discounts
(Sun Security Bank)	5,628	6,851	40,299	52,778	91,848	144,626	150
Total	24,415	9,775	93,010	127,200	2,144,343	2,271,543	561
Less FDIC-supported loans,
net of discounts	8,612	7,770	65,513	81,895	314,642	396,537	155

Total legacy loans	$15,803	$2,005	$27,497	$45,305	$1,829,701	$1,875,006	$406

	December 31,
	2012	2011
(In Thousands)
One- to four-family residential construction	$--	$186
Subdivision construction	3	6,661
Land development	2,471	2,655
Commercial construction	--	--
Owner occupied one- to four-family residential	2,115	3,848
Non-owner occupied one- to four-family
residential	1,905	3,425
Commercial real estate	8,324	6,204
Other residential	--	--
Commercial business	6,249	1,362
Industrial revenue bonds	--	2,110
Consumer auto	94	107
Consumer other	385	359
Home equity lines of credit	220	174

Total	$21,766	$27,091

The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2012 and 2011. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012, 2011 and 2010:

	One- to Four-
	Family
	Residential
	and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for Loan Losses
Balance, January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision charged to expense	(1,626)	4,471	16,360	18,101	4,897	1,660	43,863
Losses charged off	(3,203)	(3,579)	(18,010)	(18,027)	(3,082)	(2,390)	(48,291)
Recoveries	227	347	701	882	307	1,381	3,845

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

Ending balance:
Individually evaluated
for impairment	$2,288	$1,089	$4,990	$96	$2,778	$156	$11,397
Collectively evaluated
for impairment	$4,532	$3,239	$12,443	$3,842	$2,315	$2,864	$29,235
Loans acquired and
accounted for under
ASC 310-30	$1	$--	$9	$--	$4	$3	$17

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

	One- to Four-
	Family
	Residential
	and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for Loan Losses
Balance, January 1, 2011	$11,483	$3,866	$14,336	$5,852	$3,281	$2,669	$41,487
Provision charged to expense	7,995	5,693	17,859	1,020	1,459	1,310	35,336
Losses charged off	(8,333)	(8,018)	(13,862)	(4,103)	(2,842)	(3,496)	(40,654)
Recoveries	279	1,547	57	213	1,076	1,891	5,063

Balance, December 31, 2011	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232

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

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

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for Loan Losses
Individually evaluated
for impairment	$4,353	$1,714	$3,089	$2,083	$784	$37	$12,060
Collectively evaluated
for impairment	$7,100	$2,152	$11,247	$3,769	$1,697	$2,632	$28,597
Loans acquired and
accounted for under
ASC 310-30	$--	$--	$--	$30	$800	$--	$830

Loans
Individually evaluated
for impairment	$40,562	$25,246	$72,379	$45,334	$8,340	$622	$192,483
Collectively evaluated
for impairment	$310,272	$185,600	$522,539	$118,257	$177,525	$172,553	$1,486,746
Loans acquired and
accounted for under
ASC 310-30	$75,727	$23,277	$128,704	$22,858	$15,215	$39,015	$304,796

The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 3 as follows:

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

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

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

· The commercial business segment corresponds to the commercial business class.

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

The weighted average interest rate on loans receivable at December 31, 2012 and 2011, was 5.39% and 5.86%, respectively.

Loans serviced for others are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of loans serviced for others were $158.4 million and $170.3 million at December 31, 2012 and 2011, respectively. In addition, available lines of credit on these loans were $15.7 million and $11.7 million at December 31, 2012 and 2011, respectively.

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

The following summarizes information regarding impaired loans at and during the years ended December 31, 2012, 2011 and 2010:

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

Total	$102,625	$107,285	$11,397	$108,284	$4,889

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

				Year Ended
	December 31, 2010			December 31, 2010
				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$1,947	$2,371	$258	$1,724	$83
Subdivision construction	9,894	10,560	2,326	7,850	415
Land development	17,957	21,006	1,925	18,760	534
Commercial construction	1,851	1,851	158	458	31
Owner occupied one- to four-family
residential	5,205	5,620	542	3,612	69
Non-owner occupied one- to four-family
residential	11,785	12,267	1,227	8,182	386
Commercial real estate	25,782	26,392	3,045	10,615	603
Other residential	9,768	9,869	1,714	8,123	140
Commercial business	9,722	12,495	828	2,630	114
Consumer auto	125	137	4	30	1
Consumer other	429	481	14	93	4
Home equity lines of credit	148	166	19	109	1

Total	$94,613	$103,215	$12,060	$62,186	$2,381

At December 31, 2012, $43.4 million of impaired loans had specific valuation allowances totaling $11.4 million. At December 31, 2011, all impaired loans had specific valuation allowances totaling $10.0 million. Previous to the third quarter of 2012, the Company reported all impaired loans as having specific valuation allowances, even though in many instances the allowance assigned to a particular loan was actually only the general valuation percentage used for that particular category of loans. In the third quarter of 2012, the Company began reporting specific valuation allowances on impaired loans only if the recorded loan balance was greater than the calculated fair value of the collateral supporting the loan. This change was also factored into the general valuation allowances recorded by the Company, and did not result in a significant change to the overall allowance for loan losses recorded by the Company. For impaired loans which were nonaccruing, interest of approximately $1.8 million, $2.4 million and $2.0 million would have been recognized on an accrual basis during the years ended December 31, 2012, 2011 and 2010, respectively.

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

The following table presents newly restructured loans during 2012 by type of modification:

At December 31, 2012, the Company had $2.8 million of construction loans, $7.1 million of residential mortgage loans, $26.9 million of commercial real estate loans, $7.9 million of other residential loans, $1.9 million of commercial business loans and $167,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings at December 31, 2012, $38.1 million were accruing interest, $14.6 million were classified as substandard and $1.0 million were classified as doubtful using the Company’s internal grading system which is described below. During the previous 12 months, five commercial real estate loans totaling $1.8 million, two non-owner occupied residential mortgage loans totaling $406,000, four owner occupied residential mortgage loans totaling $294,000 and one consumer loan totaling $19,000, were modified as troubled debt restructurings and had payment defaults subsequent to the modifications. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. At December 31, 2011, the Company had $9.0 million of construction loans, $17.0 million of residential mortgage loans, $31.3 million of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings at December 31, 2011, $50.8 million were accruing interest at December 31, 2011.

As of December 31, 2012, borrowers with loans designated as troubled debt restructurings totaling $1.4 million, including $160,000 of construction loans, $1.2 million of residential mortgage loans, $49,000 of commercial business loans and $17,000 of consumer loans, met the criteria for placement back on accrual status. This criteria is a minimum of six months of payment performance under existing or modified terms.

The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention” and “Substandard.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. However, since these loans are accounted for in pools and are currently covered through loss sharing agreements with the FDIC, all of the loan pools were considered satisfactory at December 31, 2012 and 2011, respectively. See Note 4 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:

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

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

	December 31, 2011
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$21,436	$2,354	$--	$186	--	$23,976
Subdivision construction	45,754	2,701	--	12,685	--	61,140
Land development	41,179	20,902	245	6,445	--	68,771
Commercial construction	119,589	--	--	--	--	119,589
Owner occupied one- to-four-
family residential	86,725	1,018	--	4,251	--	91,994
Non-owner occupied one- to four-
family residential	129,458	5,232	249	10,842	--	145,781
Commercial real estate	542,712	51,757	13,384	32,004	--	639,857
Other residential	222,940	13,262	--	7,540	--	243,742
Commercial business	225,664	5,403	638	4,679	--	236,384
Industrial revenue bonds	57,640	--	--	2,110	--	59,750
Consumer auto	59,237	--	--	131	--	59,368
Consumer other	77,006	--	--	534	--	77,540
Home equity lines of credit	46,940	--	--	174	--	47,114
FDIC-supported loans, net of
discounts (TeamBank)	128,875	--	--	--	--	128,875
FDIC-supported loans, net of
discounts (Vantus Bank)	123,036	--	--	--	--	123,036
FDIC-supported loans, net of
discounts (Sun Security Bank)	144,626	--	--	--	--	144,626

Total	$2,072,817	$102,629	$14,516	$81,581	--	$2,271,543

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

Certain directors and executive officers of the Company and the Bank are customers of and had transactions with the Bank in the ordinary course of business. Except for the interest rates on loans secured by personal residences, in the opinion of management, all loans included in such transactions were made on substantially the same terms as those prevailing at the time for comparable transactions with unrelated parties. Generally, residential first mortgage loans and home equity lines of credit to all employees and directors have been granted at interest rates equal to the Bank’s cost of funds, subject to annual adjustments in the case of residential first mortgage loans and monthly adjustments in the case of home equity lines of credit. At December 31, 2012 and 2011, loans outstanding to these directors and executive officers are summarized as follows: