	March 31, 2016
							Total Loans
			Past Due				> 90 Days
	30-59 Days	60-89 Days	90 Days	Total Past		Total Loans	Past Due and
	Past Due	Past Due	or More	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$—	$—	$—	$—	$27,807	$27,807	$—
Subdivision construction	—	—	143	143	28,185	28,328	—
Land development	42	429	106	577	65,521	66,098	—
Commercial construction	—	—	—	—	629,846	629,846	—
Owner occupied one- to four-
family residential	1,129	90	892	2,111	226,465	228,576	33
Non-owner occupied one- to
four-family residential	796	—	336	1,132	147,329	148,461	60
Commercial real estate	2,319	5,383	9,779	17,481	1,030,699	1,048,180	—
Other residential	—	—	—	—	415,117	415,117	—
Commercial business	76	51	181	308	352,118	352,426	—
Industrial revenue bonds	—	—	—	—	36,407	36,407	—
Consumer auto	2,293	480	918	3,691	465,230	468,921	—
Consumer other	620	90	656	1,366	73,621	74,987	—
Home equity lines of credit	1,091	40	337	1,468	97,292	98,760	4
Acquired FDIC-covered
loans, net of discounts	8,068	217	10,451	18,736	205,606	224,342	172
Acquired loans no longer
covered by loss sharing
agreements, net of
discounts	45	63	10	118	31,643	31,761	—
Acquired non-covered loans,
net of discounts	532	150	5,500	6,182	82,036	88,218	—
	17,011	6,993	29,309	53,313	3,914,922	3,968,235	269
Less FDIC-supported loans,
and acquired non-covered
loans, net of discounts	8,645	430	15,961	25,036	319,285	344,321	172

Total	$8,366	$6,563	$13,348	$28,277	$3,595,637	$3,623,914	$97

	December 31, 2015
							Total Loans
						Total	> 90 Days Past
	30-59 Days	60-89 Days	Over 90	Total Past		Loans	Due and
	Past Due	Past Due	Days	Due	Current	Receivable	Still Accruing
(In Thousands)
One- to four-family
residential construction	$649	$—	$—	$649	$22,877	$23,526	$—
Subdivision construction	—	—	—	—	38,504	38,504	—
Land development	2,245	148	139	2,532	55,908	58,440	—
Commercial construction	1	—	—	1	600,793	600,794	—
Owner occupied one- to four-
family residential	1,217	345	715	2,277	108,000	110,277	—
Non-owner occupied one- to
four-family residential	—	—	345	345	149,529	149,874	—
Commercial real estate	1,035	471	13,488	14,994	1,028,480	1,043,474	—
Other residential	—	—	—	—	419,549	419,549	—
Commercial business	1,020	9	288	1,317	356,263	357,580	—
Industrial revenue bonds	—	—	—	—	37,362	37,362	—
Consumer auto	3,351	891	721	4,963	434,932	439,895	—
Consumer other	943	236	576	1,755	73,074	74,829	—
Home equity lines of credit	212	123	297	632	83,334	83,966	—
Acquired FDIC-covered loans, net of discounts	7,936	603	9,712	18,251	217,820	236,071	—
Acquired loans no longer covered by FDIC loss sharing agreements,
net of discounts	989	39	33	1,061	32,277	33,338	—
Acquired non-covered loans, net of discounts	1,081	638	5,914	7,633	85,803	93,436	—
	20,679	3,503	32,228	56,410	3,744,505	3,800,915	—
Less FDIC-supported loans,
and acquired non-covered loans, net of discounts	10,006	1,280	15,659	26,945	335,900	362,845	—

Total	$10,673	$2,223	$16,569	$29,465	$3,408,605	$3,438,070	$—

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

	March 31,	December 31,
	2016	2015
(In Thousands)
One- to four-family residential construction	$—	$—
Subdivision construction	143	—
Land development	106	139
Commercial construction	—	—
Owner occupied one- to four-family residential	859	715
Non-owner occupied one- to four-family residential	276	345
Commercial real estate	9,779	13,488
Other residential	—	—
Commercial business	181	288
Industrial revenue bonds	—	—
Consumer auto	918	721
Consumer other	656	576
Home equity lines of credit	333	297

Total	$13,251	$16,569

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2016. 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 March 31, 2016:

	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, 2016	$4,900	$3,190	$14,738	$3,019	$4,203	$8,099	$38,149
Provision (benefit) charged to expense	51	(582)	1,288	129	(554)	1,769	2,101
Losses charged off	(84)	—	(2,309)	(30)	(19)	(1,737)	(4,179)
Recoveries	16	13	11	8	47	860	955
Balance March 31, 2016	$4,883	$2,621	$13,728	$3,126	$3,677	$8,991	$37,026

Ending balance:

Individually evaluated for
impairment	$729	$—	$1,900	$1,141	$1,120	$359	$5,249
Collectively evaluated for
impairment	$3,481	$2,532	$11,586	$1,915	$2,373	$8,435	$30,322
Loans acquired and
accounted for under ASC
310-30	$673	$89	$242	$70	$184	$197	$1,455

Loans
Individually evaluated for
impairment	$6,162	$9,472	$31,654	$7,496	$2,215	$2,340	$59,339
Collectively evaluated for
impairment	$427,010	$405,645	$1,016,526	$688,448	$386,618	$640,328	$3,564,575
Loans acquired and
accounted for under ASC
310-30	$187,210	$35,608	$64,924	$5,436	$9,075	$42,068	$344,321

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2015:

	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, 2015	$3,455	$2,941	$19,773	$3,562	$3,679	$5,025	$38,435
Provision (benefit) charged to expense	556	(140)	385	(113)	467	145	1,300
Losses charged off	(140)	(3)	(2)	(197)	(224)	(1,147)	(1,713)
Recoveries	114	11	60	104	23	737	1,049
Balance March 31, 2015	$3,985	$2,809	$20,216	$3,356	$3,945	$4,760	$39,071

The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2015:

	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	$731	$—	$2,556	$1,391	$1,115	$300	$6,093
Collectively evaluated for
impairment	$3,464	$3,122	$11,888	$1,570	$2,862	$7,647	$30,553
Loans acquired and
accounted for under ASC
310-30	$705	$68	$294	$58	$226	$152	$1,503

Loans
Individually evaluated for
impairment	$6,129	$9,533	$34,629	$7,555	$2,365	$1,950	$62,161
Collectively evaluated for
impairment	$316,052	$410,016	$1,008,845	$651,679	$392,577	$596,740	$3,375,909
Loans acquired and
accounted for under ASC
310-30	$194,697	$35,945	$73,148	$4,981	$10,500	$43,574	$362,845

The portfolio segments used in the preceding three tables correspond to the loan classes used in all other tables in Note 6 as follows:

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

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

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

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

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.

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

	At March 31, 2016

		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$—	$—	$—
Subdivision construction	1,014	1,014	209
Land development	7,496	7,586	1,141
Commercial construction	—	—	—
Owner occupied one- to four-family residential	5,148	5,718	520
Non-owner occupied one- to four-family residential	—	—	—
Commercial real estate	31,654	34,773	1,900
Other residential	9,472	9,472	—
Commercial business	2,215	2,644	1,120
Industrial revenue bonds	—	—	—
Consumer auto	1,000	1,039	150
Consumer other	880	962	132
Home equity lines of credit	460	480	77

Total	$59,339	$63,688	$5,249

	For the Three Months Ended March 31, 2016
	Average
	Investment in	Interest
	Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$—	$—
Subdivision construction	1,049	7
Land development	7,506	69
Commercial construction	—	—
Owner occupied one- to four-family residential	5,121	57
Non-owner occupied one- to four-family residential	—	—
Commercial real estate	33,088	224
Other residential	9,496	98
Commercial business	2,230	24
Industrial revenue bonds	—	—
Consumer auto	929	17
Consumer other	897	19
Home equity lines of credit	461	12

Total	$60,777	$527

	At December 31, 2015

		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$—	$—	$—
Subdivision construction	1,061	1,061	214
Land development	7,555	7,644	1,391
Commercial construction	—	—	—
Owner occupied one- to four-family
residential	3,166	3,427	389
Non-owner occupied one- to four-family
residential	1,902	2,138	128
Commercial real estate	34,629	37,259	2,556
Other residential	9,533	9,533	—
Commercial business	2,365	2,539	1,115
Industrial revenue bonds	—	—	—
Consumer auto	791	829	119
Consumer other	802	885	120
Home equity lines of credit	357	374	61

Total	$62,161	$65,689	$6,093

	For the Year Ended December 31, 2015
	Average
	Investment	Interest
	in Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$633	$35
Subdivision construction	3,533	109
Land development	7,432	287
Commercial construction	—	—
Owner occupied one- to four-family
residential	3,587	179
Non-owner occupied one- to four-family
residential	1,769	100
Commercial real estate	28,610	1,594
Other residential	9,670	378
Commercial business	2,268	138
Industrial revenue bonds	—	—
Consumer auto	576	59
Consumer other	672	74
Home equity lines of credit	403	27

Total	$59,153	$2,980

	At March 31, 2015

		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$853	$853	$—
Subdivision construction	4,434	4,487	280
Land development	7,387	7,395	1,414
Commercial construction	—	—	—
Owner occupied one- to four-family residential	3,841	4,093	353
Non-owner occupied one- to four-family residential	1,809	2,021	74
Commercial real estate	26,644	27,979	2,271
Other residential	9,768	9,768	—
Commercial business	2,270	2,345	686
Industrial revenue bonds	—	—	—
Consumer auto	446	501	67
Consumer other	546	693	82
Home equity lines of credit	416	440	72

Total	$58,414	$60,575	$5,299

	For the Three Months Ended March 31, 2015
	Average
	Investment in	Interest
	Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$971	$16
Subdivision construction	4,482	51
Land development	7,510	67
Commercial construction	—	—
Owner occupied one- to four-family residential	3,984	61
Non-owner occupied one- to four-family residential	1,785	11
Commercial real estate	26,636	201
Other residential	9,780	111
Commercial business	2,469	113
Industrial revenue bonds	—	—
Consumer auto	425	10
Consumer other	582	11
Home equity lines of credit	406	9

Total	$59,030	$661

At March 31, 2016, $20.7 million of impaired loans had specific valuation allowances totaling $5.2 million. At December 31, 2015, $25.1 million of impaired loans had specific valuation allowances totaling $6.1 million.

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

The following table presents newly restructured loans during the three months ended March 31, 2016 by type of modification:

At March 31, 2016, the Company had $44.4 million of loans that were modified in troubled debt restructurings and impaired, as follows: $8.3 million of construction and land development loans, $13.5 million of single family and multi-family residential mortgage loans, $20.5 million of commercial real estate loans, $1.9 million of commercial business loans and $294,000 of consumer loans. Of the total troubled debt restructurings at March 31, 2016, $39.4 million were accruing interest and $13.2 million were classified as substandard using the Company’s internal grading system, which is described below. The Company had no troubled debt restructurings which were modified in the previous 12 months and subsequently defaulted during the three months ended March 31, 2016. 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, 2015, the Company had $45.0 million of loans that were modified in troubled debt restructurings and impaired, as follows: $7.9 million of construction and land development loans, $13.5 million of single family and multi-family residential mortgage loans, $21.3 million of commercial real estate loans, $2.0 million of commercial business loans and $311,000 of consumer loans. Of the total troubled debt restructurings at December 31, 2015, $39.0 million were accruing interest and $12.2 million were classified as substandard using the Company’s internal grading system.

During the three months ended March 31, 2016, loans designated as troubled debt restructurings totaling $20,000 met the criteria for placement back on accrual status. The $20,000 consisted of consumer loans. The criteria is generally a minimum of six months of payment performance under original 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,” “Substandard” and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. These loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC. Minimal adverse classification in the loan pools was identified as of March 31, 2016 and December 31, 2015, respectively. The acquired non-covered loans are also evaluated using this internal grading system. These loans are accounted for in pools and minimal adverse classification in the loan pools was identified as of March 31, 2016 and December 31, 2015, respectively. See Note 7 for further discussion of the acquired loan pools and loss sharing agreements.

The Company evaluates the loan risk internal grading system definitions and allowance for loan loss methodology on an ongoing basis. In the fourth quarter of 2014, the Company began using a three-year average of historical losses for the general component of the allowance for loan loss calculation. The Company had previously used a five-year average. For interim periods, the Company uses three full years plus the interim period’s annualized average losses for the general component of the allowance for loan loss calculation. The Company believes that the three-year average provides a better representation of the current risks in the loan portfolio. This change was made after consultation with our regulators and other third-party consultants, as well as a review of the practices used by the Company’s peers. This change did not materially affect the level of the allowance for loan losses. The general component of the allowance for loan losses is affected by several factors, including, but not limited to, average historical losses, the average life of the loan, the current composition of the loan portfolio, current and expected economic conditions, collateral values and internal risk ratings. Management considers all these factors in determining the adequacy of its allowance for loan losses. No other significant changes were made to the loan risk grading system definitions and allowance for loan loss methodology during the past year.

		March 31, 2016
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$27,097	$—	$710	$—	$—	$27,807
Subdivision construction	24,273	261	3,363	431	—	28,328
Land development	55,031	6,978	—	4,089	—	66,098
Commercial construction	629,846	—	—	—	—	629,846
Owner occupied one- to four-
family residential	226,786	511	—	1,279	—	228,576
Non-owner occupied one- to four-
family residential	143,569	717	3,459	716	—	148,461
Commercial real estate	1,007,471	23,519	—	17,190	—	1,048,180
Other residential	404,801	8,384	—	1,932	—	415,117
Commercial business	350,273	1,366	433	354	—	352,426
Industrial revenue bonds	36,407	—	—	—	—	36,407
Consumer auto	467,969	—	—	952	—	468,921
Consumer other	74,247	—	—	740	—	74,987
Home equity lines of credit	98,313	—	—	447	—	98,760
Acquired FDIC-covered loans,
net of discounts	224,330	—	—	12	—	224,342
Acquired loans no longer covered
by FDIC loss sharing
agreements, net of discounts	31,689	—	—	72	—	31,761
Acquired non-covered loans,
net of discounts	86,634	—	—	1,584	—	88,218

Total	$3,888,736	$41,736	$7,965	$29,798	$—	$3,968,235

	December 31, 2015
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
(In Thousands)
One- to four-family residential
construction	$22,798	$—	$728	$—	$—	$23,526
Subdivision construction	34,370	263	3,407	464	—	38,504
Land development	47,357	6,992	—	4,091	—	58,440
Commercial construction	600,794	—	—	—	—	600,794
Owner occupied one- to-four-
family residential	108,584	587	—	1,106	—	110,277
Non-owner occupied one- to-
four-family residential	144,744	516	3,827	787	—	149,874
Commercial real estate	1,005,894	18,805	—	18,775	—	1,043,474
Other residential	409,172	8,422	—	1,955	—	419,549
Commercial business	355,370	1,303	438	469	—	357,580
Industrial revenue bonds	37,362	—	—	—	—	37,362
Consumer auto	439,157	—	—	738	—	439,895
Consumer other	74,167	—	—	662	—	74,829
Home equity lines of credit	83,627	—	—	339	—	83,966
Acquired FDIC-covered loans,
net of discounts	236,055	—	—	16	—	236,071
Acquired loans no longer covered
by FDIC loss sharing
agreements, net of discounts	33,237	—	—	101	—	33,338
Acquired non-covered loans,
net of discounts	91,614	—	—	1,822	—	93,436

Total	$3,724,302	$36,888	$8,400	$31,325	$—	$3,800,915