Filed pursuant to Rule 424(b)(3)
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Registration Statement Number 333-188535
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Prospectus Supplement
Dated December 18, 2014
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To the Prospectus Dated June 7, 2013,
as supplemented by the Prospectus Supplement
dated December 17, 2014
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Year Ended September 30,
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2014
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2013
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2012
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2011
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2010
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SELECTED FINANCIAL CONDITION DATA
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(Dollars in Thousands)
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Total assets
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$
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2,054,031
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$
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1,691,989
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$
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1,648,898
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$
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1,275,481
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$
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1,029,766
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Loans receivable, net
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493,007
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380,428
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326,981
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314,410
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366,045
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Securities available for sale
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1,140,216
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881,193
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1,116,692
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619,248
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506,852
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Securities held to maturity
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282,933
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288,026
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-
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-
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-
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Goodwill and intangible assets
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2,588
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2,339
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2,035
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1,315
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2,663
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Deposits
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1,366,541
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1,315,283
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1,379,794
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1,141,620
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897,454
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Total borrowings
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497,721
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216,456
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47,710
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29,365
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41,214
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Stockholders’ equity
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174,802
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142,984
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145,859
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80,577
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72,044
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2014
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2013
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2012
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2011
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2010
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SELECTED OPERATIONS DATA
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(Dollars in Thousands, Except Per Share Data)
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Total interest income
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$
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48,660
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$
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38,976
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$
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37,297
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$
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39,059
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$
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39,083
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Total interest expense
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2,398
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2,954
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3,563
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4,747
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5,993
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Net interest income
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46,262
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36,022
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33,734
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34,312
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33,090
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Provision for loan losses
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1,150
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-
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1,049
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278
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15,791
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Net interest income after provision for loan losses
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45,112
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36,022
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32,685
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34,034
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17,299
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Total non-interest income
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51,738
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55,503
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69,574
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57,491
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97,444
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Total non-interest expense
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78,231
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74,403
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75,463
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83,262
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94,930
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Income (loss) from continuing operations before income tax expense (benefit)
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18,619
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17,122
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26,796
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8,263
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19,813
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Income tax expense (benefit)
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2,906
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3,704
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9,682
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3,623
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7,420
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Year Ended September 30,
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2014
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2013
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2012
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2011
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2010
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Income (loss) from continuing operations
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15,713
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13,418
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17,114
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4,640
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12,393
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Income from discontinued operations, net of tax
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-
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-
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-
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-
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-
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Net income (loss)
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15,713
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13,418
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17,114
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4,640
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12,393
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Basic earnings (loss) per common share:
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Income (loss) from continuing operations
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$
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2.57
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$
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2.40
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$
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4.94
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$
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1.49
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$
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4.23
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Income from discontinued operations
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-
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-
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-
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-
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-
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Net income (loss)
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$
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2.57
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$
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2.40
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$
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4.94
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$
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1.49
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$
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4.23
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Diluted earnings (loss) per common share:
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Income (loss) from continuing operations
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$
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2.53
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$
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2.38
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$
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4.92
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$
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1.49
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$
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4.11
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Income from discontinued operations
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-
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-
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-
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Net income (loss)
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$
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2.53
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$
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2.38
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$
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4.92
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$
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1.49
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$
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4.11
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SELECTED FINANCIAL RATIOS AND OTHER DATA
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PERFORMANCE RATIOS
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Return on average assets
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0.81
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%
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0.78
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%
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1.22
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%
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0.41
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%
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1.22
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%
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Return on average assets-continuing operations
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0.81
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%
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0.78
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%
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1.22
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%
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0.41
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%
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1.22
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%
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Return on average equity
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10.01
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%
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9.36
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%
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18.47
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%
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5.71
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%
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20.59
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%
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Return on average equity-continuing operations
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10.01
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%
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9.36
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%
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18.47
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%
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5.71
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%
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20.59
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%
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Net interest margin-continuing operations
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2.80
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%
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2.48
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%
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2.56
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%
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3.21
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%
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3.43
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%
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Operating expense to average assets-continuing operations
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4.06
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%
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4.35
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%
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5.39
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%
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7.33
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%
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9.36
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%
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QUALITY RATIOS-Continuing Operations
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Non-performing assets to total assets at end of year
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0.05
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%
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0.05
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%
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0.16
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%
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1.24
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%
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0.94
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%
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Allowance for loan losses to non-performing loans
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547
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%
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568
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%
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219
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%
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53
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%
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63
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%
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CAPITAL RATIOS
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Stockholders’ equity to total assets at end of period
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8.51
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%
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8.45
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%
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8.85
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%
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6.32
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%
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7.00
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%
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Average stockholders’ equity to average assets
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8.14
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%
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8.37
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%
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6.62
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%
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7.16
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%
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5.93
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%
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OTHER DATA
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Book value per common share outstanding
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$
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28.33
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$
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23.55
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$
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26.79
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$
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25.61
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$
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23.15
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Dividends declared per share
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$
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0.52
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$
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0.52
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$
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0.52
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$
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0.52
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$
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0.52
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Number of full-service offices
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11
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11
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12
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12
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12
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Common Shares Outstanding
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6,169,604
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6,070,654
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5,443,881
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3,146,867
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3,111,413
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