|   | þ          QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) |
|--------|--------------------------------------------------------------------------------------------------------------------|

|   |  ̈ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) |
|--------|----------------------------------------------------------------|

|   |               OF THE SECURITIES EXCHANGE ACT OF 1934 |
|--------|----------------------------------------------------------------------------------------------------------------------------|

----

|  PART I -- FINANCIAL INFORMATION                                                                                                                       | PageNumber  |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------|
| Item 1.  Financial Statements (Unaudited):                                                                                                        |             |
|              Consolidated Balance Sheets at March 31, 2010 and September 30, 2009          | 3                |
|              Consolidated Statements of Income for the three and six months ended          |             |
|                   March 31, 2010 and March 31, 2009               | 4                |
|              Consolidated Statement of Stockholders’ Equity for the six months ended |             |
|                   March 31, 2010                                  | 5                |
|              Consolidated Statements of Cash Flows for the six months ended                |             |
|                   March 31, 2010 and March 31, 2009               | 6                |
|              Notes to Consolidated Interim Financial Statements                            | 8                |
| Item 2.  Management’s Discussion and Analysis of Financial Condition and                                                                    |             |
|                   Results of Operations                           | 18               |
| Item 3.  Quantitative and Qualitative Disclosure about Market Risk                                                                                | 66               |
| Item 4.  Controls and Procedures                                                                                                                  | 71               |
|                                                                                                                                                        |             |
| PART II -- OTHER INFORMATION                                                                                                                                |             |
| Item 1.    Legal Proceedings                                                                                                            | 71               |
| Item 1A. Risk Factors                                                                                                                                       | 72               |
| Item 2.    Unregistered Sales of Equity Securities and Use of Proceeds                                                                  | 76               |
| Item 3.    Defaults Upon Senior Securities                                                                                              | 76               |
| Item 4.    Submission of Matters to a Vote of Security Holders                                                                          | 76               |
| Item 5.    Other Information                                                                                                            | 76               |
| Item 6.    Exhibits                                                                                                                     | 76               |
|                                                                                                                                                        |             |
| Signature Page                                                                                                                                              | 77               |
|                                                                                                                                                        |             |
| INDEX TO EXHIBITS                                                                                                                                           | 78               |
|                                                                                                                                                        |             |

----

|                                                                                                                                                     |   | March 31, |      |   | September 30, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------|-----------|--------|---------------|--------|
|                                                                                                                                                     |   | 2010      |      |   | 2009          |   |
| ASSETS:                                                                                                                                                  |   |      |      |   |          |   |
| Cash and cash equivalents (includes interest-earning deposits of $46,059 and $32,319)                                                                    |   | $         | 60,735    |   |          | $      | 41,154 |   |
| Investment securities:                                                                                                                                   |   |      |      |   |          |   |   |   |
|         Available-for-sale (“AFS”) at estimated fair value (amortized cost of $142,002 and $235,185) |   |      | 141,893   |   |          |   | 234,784 |   |
|         Held-to-maturity (“HTM”) at amortized cost (estimated fair value of $831,112 and $248,929)   |   |      | 828,538   |   |          |   | 245,920 |   |
| Mortgage-backed securities (“MBS”):                                                                                                          |   |      |      |   |          |   |   |   |
|         AFS, at estimated fair value (amortized cost of $1,163,420 and $1,334,357)                               |   |      | 1,212,991 |   |          |   | 1,389,211 |   |
|         HTM, at amortized cost (estimated fair value of $566,397 and $627,829)                                   |   |      | 544,319   |   |          |   | 603,256 |   |
| Loans receivable, net (of allowance for loan losses (“ALLL”) of $14,739 and $10,150)                                                         |   |      | 5,380,852 |   |          |   | 5,603,965 |   |
| Bank-owned life insurance (“BOLI”)                                                                                                           |   |      | 54,000    |   |          |   | 53,509 |   |
| Capital stock of Federal Home Loan Bank (“FHLB”), at cost                                                                                    |   |      | 135,050   |   |          |   | 133,064 |   |
| Accrued interest receivable                                                                                                                              |   |      | 31,789    |   |          |   | 32,640 |   |
| Premises and equipment, net                                                                                                                              |   |      | 40,379    |   |          |   | 37,709 |   |
| Real estate owned (“REO”), net                                                                                                               |   |      | 6,861     |   |          |   | 7,404 |   |
| Prepaid federal insurance premium                                                                                                                        |   |      | 24,005    |   |          |   | -- |   |
| Other assets                                                                                                                                             |   |      | 24,053    |   |          |   | 21,064 |   |
|         TOTAL ASSETS                                                                                             |   | $         | 8,485,465 |   |          | $      | 8,403,680 |   |
|                                                                                                                                                     |   |      |      |   |          |   |   |   |
| LIABILITIES:                                                                                                                                             |   |      |      |   |          |   |   |   |
| Deposits                                                                                                                                                 |   | $         | 4,319,066 |   |          | $      | 4,228,609 |   |
| Advances from FHLB                                                                                                                                       |   |      | 2,395,842 |   |          |   | 2,392,570 |   |
| Other borrowings, net                                                                                                                                    |   |      | 713,609   |   |          |   | 713,609 |   |
| Advance payments by borrowers for taxes and insurance                                                                                                    |   |      | 48,806    |   |          |   | 55,367 |   |
| Income taxes payable                                                                                                                                     |   |      | 2,441     |   |          |   | 6,016 |   |
| Deferred income tax liabilities, net                                                                                                                     |   |      | 31,335    |   |          |   | 30,970 |   |
| Accounts payable and accrued expenses                                                                                                                    |   |      | 28,293    |   |          |   | 35,241 |   |
|         Total liabilities                                                                                        |   |      | 7,539,392 |   |          |   | 7,462,382 |   |
|                                                                                                                                                     |   |      |      |   |          |   |   |   |
| STOCKHOLDERS’ EQUITY:                                                                                                                              |   |      |      |   |          |   |   |   |
| Preferred stock ($0.01 par value) 50,000,000 shares authorized; none issued                                                                              |   |      | --        |   |          |   | -- |   |
| Common stock ($0.01 par value) 450,000,000 shares authorized, 91,512,287                                                                                 |   |      |      |   |          |   |   |   |
|         shares issued;  73,983,078 and 74,099,355 shares outstanding                                   |   |      | 915       |   |          |   | 915 |   |
|         as of March 31, 2010 and September 30, 2009, respectively                                                |   |      |      |   |          |   |   |   |
| Additional paid-in capital                                                                                                                               |   |      | 455,413   |   |          |   | 452,872 |   |
| Unearned compensation, Employee Stock Ownership Plan (“ESOP”)                                                                                |   |      | (7,057    | )      |          |   | (8,066 | ) |
| Unearned compensation, Recognition and Retention Plan (“RRP”)                                                                                |   |      | (341      | )      |          |   | (330 | ) |
| Retained earnings                                                                                                                                        |   |      | 789,831   |   |          |   | 781,604 |   |
| Accumulated other comprehensive income, net of tax                                                                                                       |   |      | 30,765    |   |          |   | 33,870 |   |
| Less shares held in treasury (17,529,209 and 17,412,932 shares as of                                                                                     |   |      |      |   |          |   |   |   |
|        March 31, 2010 and September 30, 2009, respectively, at cost)                                                  |   |      | (323,453  | )      |          |   | (319,567 | ) |
|            Total stockholders’ equity                                                       |   |      | 946,073   |   |          |   | 941,298 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                               |   | $         | 8,485,465 |   |          | $      | 8,403,680 |   |

<Index>

----

|                                                                      |   | For the Three Months Ended |   |   | For the Six Months Ended |   |
|---------------------------------------------------------------------------|--------|----------------------------|--------|--------|--------------------------|--------|
|                                                                      |   | March 31,                  |   |   | March 31,                |   |
|                                                                      |   | 2010                       |   |   | 2009                     |   |   | 2010 |   |   | 2009 |   |
| INTEREST AND DIVIDEND INCOME:                                             |   |                       |   |   |                     |   |   |   |   |   |   |   |
| Loans receivable                                                          |   | $                          | 70,315 |   |                     | $      | 77,446 |   |   | $ | 144,841 |   |   | $ | 154,162 |   |
| MBS                                                                       |   |                       | 18,627 |   |                     |   | 25,088 |   |   |   | 39,381 |   |   |   | 51,490 |   |
| Investment securities                                                     |   |                       | 3,726  |   |                     |   | 955 |   |   |   | 6,285 |   |   |   | 2,281 |   |
| Capital stock of FHLB                                                     |   |                       | 985    |   |                     |   | 778 |   |   |   | 1,986 |   |   |   | 1,558 |   |
| Cash and cash equivalents                                                 |   |                       | 54     |   |                     |   | 68 |   |   |   | 101 |   |   |   | 117 |   |
|      Total interest and dividend income          |   |                       | 93,707 |   |                     |   | 104,335 |   |   |   | 192,594 |   |   |   | 209,608 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| INTEREST EXPENSE:                                                         |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| FHLB advances                                                             |   |                       | 24,299 |   |                     |   | 26,653 |   |   |   | 49,118 |   |   |   | 56,198 |   |
| Deposits                                                                  |   |                       | 19,776 |   |                     |   | 24,711 |   |   |   | 41,881 |   |   |   | 51,496 |   |
| Other borrowings                                                          |   |                       | 6,949  |   |                     |   | 7,109 |   |   |   | 14,058 |   |   |   | 14,834 |   |
|      Total interest expense                      |   |                       | 51,024 |   |                     |   | 58,473 |   |   |   | 105,057 |   |   |   | 122,528 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| NET INTEREST AND DIVIDEND INCOME                                          |   |                       | 42,683 |   |                     |   | 45,862 |   |   |   | 87,537 |   |   |   | 87,080 |   |
| PROVISION FOR LOAN LOSSES                                                 |   |                       | 3,200  |   |                     |   | 2,107 |   |   |   | 6,315 |   |   |   | 2,656 |   |
|     NET INTEREST AND DIVIDEND INCOME                  |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|        AFTER PROVISION FOR LOAN LOSSES |   |                       | 39,483 |   |                     |   | 43,755 |   |   |   | 81,222 |   |   |   | 84,424 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| OTHER INCOME:                                                             |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Retail fees and charges                                                   |   |                       | 4,213  |   |                     |   | 4,031 |   |   |   | 8,936 |   |   |   | 8,561 |   |
| Insurance commissions                                                     |   |                       | 753    |   |                     |   | 873 |   |   |   | 1,335 |   |   |   | 1,364 |   |
| Loan fees                                                                 |   |                       | 674    |   |                     |   | 597 |   |   |   | 1,255 |   |   |   | 1,166 |   |
| Income from BOLI                                                          |   |                       | 223    |   |                     |   | 241 |   |   |   | 491 |   |   |   | 625 |   |
| Gains on securities and loans receivable, net                             |   |                       | 145    |   |                     |   | 516 |   |   |   | 6,617 |   |   |   | 540 |   |
| Other, net                                                                |   |                       | 528    |   |                     |   | 678 |   |   |   | 1,033 |   |   |   | 1,322 |   |
|      Total other income                          |   |                       | 6,536  |   |                     |   | 6,936 |   |   |   | 19,667 |   |   |   | 13,578 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| OTHER EXPENSES:                                                           |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                                            |   |                       | 10,807 |   |                     |   | 10,569 |   |   |   | 21,339 |   |   |   | 21,732 |   |
| Occupancy of premises                                                     |   |                       | 3,854  |   |                     |   | 3,770 |   |   |   | 7,796 |   |   |   | 7,492 |   |
| Federal insurance premium                                                 |   |                       | 1,845  |   |                     |   | 227 |   |   |   | 3,659 |   |   |   | 393 |   |
| Advertising and promotional                                               |   |                       | 1,337  |   |                     |   | 1,947 |   |   |   | 2,981 |   |   |   | 3,689 |   |
| Deposit and loan transaction costs                                        |   |                       | 1,316  |   |                     |   | 1,418 |   |   |   | 2,696 |   |   |   | 2,722 |   |
| Regulatory and outside services                                           |   |                       | 994    |   |                     |   | 980 |   |   |   | 2,442 |   |   |   | 2,129 |   |
| Postage and office supplies                                               |   |                       | 789    |   |                     |   | 735 |   |   |   | 1,414 |   |   |   | 1,448 |   |
| Other, net                                                                |   |                       | 2,158  |   |                     |   | 2,349 |   |   |   | 3,522 |   |   |   | 4,577 |   |
|      Total other expenses                        |   |                       | 23,100 |   |                     |   | 21,995 |   |   |   | 45,849 |   |   |   | 44,182 |   |
| INCOME BEFORE INCOME TAX EXPENSE                                          |   |                       | 22,919 |   |                     |   | 28,696 |   |   |   | 55,040 |   |   |   | 53,820 |   |
| INCOME TAX EXPENSE                                                        |   |                       | 8,264  |   |                     |   | 10,564 |   |   |   | 19,405 |   |   |   | 19,836 |   |
| NET INCOME                                                                |   | $                          | 14,655 |   |                     | $      | 18,132 |   |   | $ | 35,635 |   |   | $ | 33,984 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Basic earnings per common share                                           |   | $                          | 0.20   |   |                     | $      | 0.25 |   |   | $ | 0.49 |   |   | $ | 0.46 |   |
| Diluted earnings per common share                                         |   | $                          | 0.20   |   |                     | $      | 0.25 |   |   | $ | 0.49 |   |   | $ | 0.46 |   |
| Dividends declared per public share                                       |   | $                          | 0.50   |   |                     | $      | 0.50 |   |   | $ | 1.29 |   |   | $ | 1.11 |   |
|                                                                      |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Basic weighted average common shares                                      |   |                       | 73,214 |   |                     |   | 73,113 |   |   |   | 73,241 |   |   |   | 73,088 |   |
| Diluted weighted average common shares                                    |   |                       | 73,242 |   |                     |   | 73,175 |   |   |   | 73,264 |   |   |   | 73,168 |   |

----

|                                                                     |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   | Accumulated   |   |    |     |   |   |          |   |
|--------------------------------------------------------------------------|--------|--------|--------|--------|------------|--------|---------|--------------|--------|--------|--------------|--------|--------|----------|--------|--------|---------------|--------|---------|----------|--------|--------|---------------|--------|
|                                                                     |   |   |   |   | Additional |   |    | Unearned     |   |   | Unearned     |   |   |     |   |   | Other         |   |    |     |   |   | Total         |   |
|                                                                     |   | Common |   |   | Paid-In    |   |    | Compensation |   |   | Compensation |   |   | Retained |   |   | Comprehensive |   |    | Treasury |   |   | Stockholders' |   |
|                                                                     |   | Stock  |   |   | Capital    |   |    | ESOP         |   |   | RRP          |   |   | Earnings |   |   | Income        |   |    | Stock    |   |   | Equity        |   |
|                                                                     |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |
| Balance at October 1, 2009                                               |   | $      | 915    |   |       | $      | 452,872 |         |   | $      | (8,066       | )      |   | $        | (330   | )      |          | $      | 781,604 |     |   | $      | 33,870        |   |   | $ | (319,567 | ) |   | $ | 941,298 |   |
| Comprehensive income:                                                    |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
|    Net income                                             |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   | 35,635  |     |   |   |          |   |   |   |   |   |   |   | 35,635 |   |
|    Other comprehensive income:                            |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
|       Changes in unrealized gain/losses on |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
|       securities AFS, net of deferred      |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
|       income taxes of $1,886               |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   | (3,105        | )      |   |   |   |   |   |   | (3,105 | ) |
| Total comprehensive income                                               |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   | 32,530 |   |
|                                                                     |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
| ESOP activity, net                                                       |   |   |   |   |       |   | 2,254   |         |   |   | 1,009        |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   | 3,263 |   |
| RRP activity, net                                                        |   |   |   |   |       |   | 120     |         |   |   |         |   |   |     | (163   | )      |          |   |    |     |   |   |          |   |   |   | 47 |   |   |   | 4 |   |
| Stock based compensation - stock options and RRP                         |   |   |   |   |       |   | 133     |         |   |   |         |   |   |     | 152    |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   | 285 |   |
| Acquisition of treasury stock                                            |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   | (4,019 | ) |   |   | (4,019 | ) |
| Stock options exercised                                                  |   |   |   |   |       |   | 34      |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   | 86 |   |   |   | 120 |   |
| Dividends on common stock to                                             |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   |    |     |   |   |          |   |   |   |   |   |   |   |   |   |
|   stockholders ($1.29 per public share)                        |   |   |   |   |       |   |    |         |   |   |         |   |   |     |   |   |          |   | (27,408 | )        |   |   |          |   |   |   |   |   |   |   | (27,408 | ) |
| Balance at March 31, 2010                                                |   | $      | 915    |   |       | $      | 455,413 |         |   | $      | (7,057       | )      |   | $        | (341   | )      |          | $      | 789,831 |     |   | $      | 30,765        |   |   | $ | (323,453 | ) |   | $ | 946,073 |   |

<Index>

----

|                                                                                                                    |   | For the Six Months Ended |     |
|-------------------------------------------------------------------------------------------------------------------------|--------|--------------------------|----------|
|                                                                                                                    |   | March 31,                |     |
|                                                                                                                    |   | 2010                     |     |   | 2009 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES:                                                                                   |   |                     |     |   |   |   |
| Net income                                                                                                              |   | $                        | 35,635   |   |   | $ | 33,984 |   |
| Adjustments to reconcile net income to net cash provided by                                                             |   |                     |     |   |   |   |   |   |
|   operating activities:                                                                                       |   |                     |     |   |   |   |   |   |
|     FHLB stock dividends                                                                            |   |                     | (1,986   | ) |   |   | (1,558 | ) |
|     Provision for loan losses                                                                  |   |                     | 6,315    |   |   |   | 2,656 |   |
|     Originations of loans receivable held-for-sale (“LHFS”)                             |   |                     | (5,035   | ) |   |   | (863 | ) |
|     Proceeds from sales of LHFS                                                                     |   |                     | 3,188    |   |   |   | 31,631 |   |
|     Amortization and accretion of premiums and discounts on MBS                                     |   |                     |     |   |   |   |   |   |
|        and investment securities                                                          |   |                     | 3,005    |   |   |   | 503 |   |
|     Depreciation and amortization of premises and equipment                                         |   |                     | 2,410    |   |   |   | 2,415 |   |
|     Amortization of deferred amounts related to FHLB advances, net                                  |   |                     | 3,272    |   |   |   | 584 |   |
|     Common stock committed to be released for allocation - ESOP                                     |   |                     | 3,263    |   |   |   | 4,153 |   |
|     Stock based compensation - stock options and RRP                                                |   |                     | 285      |   |   |   | 309 |   |
|     Gain on the sale of trading securities received in the loan swap transaction                    |   |                     | (6,454   | ) |   |   | -- |   |
|   Changes in:                                                                                                 |   |                     |     |   |   |   |   |   |
|       Prepaid federal insurance premium, net                                              |   |                     | (24,005  | ) |   |   | -- |   |
|       Accrued interest receivable                                                         |   |                     | 851      |   |   |   | 1,140 |   |
|       Other, net                                                                          |   |                     | (629     | ) |   |   | 4,706 |   |
|       Income taxes payable/receivable                                                     |   |                     | (1,321   | ) |   |   | 4,212 |   |
|       Accounts payable and accrued expenses                                               |   |                     | (6,948   | ) |   |   | (4,120 | ) |
|              Net cash provided by operating activities |   |                     | 11,846   |   |   |   | 79,752 |   |
|                                                                                                                    |   |                     |     |   |   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES:                                                                                   |   |                     |     |   |   |   |   |   |
| Proceeds from sale of trading securities received in the loan swap transaction                                          |   |                     | 199,144  |   |   |   | -- |   |
| Proceeds from maturities or calls of investment securities AFS                                                          |   |                     | 92,046   |   |   |   | 19,996 |   |
| Purchases of investment securities AFS                                                                                  |   |                     | --       |   |   |   | (127,151 | ) |
| Proceeds from maturities or calls of investment securities HTM                                                          |   |                     | 28,090   |   |   |   | 39,600 |   |
| Purchases of investment securities HTM                                                                                  |   |                     | (611,685 | ) |   |   | (3,962 | ) |
| Principal collected on MBS AFS                                                                                          |   |                     | 170,042  |   |   |   | 119,712 |   |
| Purchases of MBS AFS                                                                                                    |   |                     | --       |   |   |   | (118,469 | ) |
| Principal collected on MBS HTM                                                                                          |   |                     | 63,973   |   |   |   | 77,870 |   |
| Purchases of MBS HTM                                                                                                    |   |                     | (5,032   | ) |   |   | -- |   |
| Proceeds from the redemption of capital stock of FHLB                                                                   |   |                     | --       |   |   |   | 3,688 |   |
| Purchases of capital stock of FHLB                                                                                      |   |                     | --       |   |   |   | (9,002 | ) |
| Loan originations, net of principal collected                                                                           |   |                     | 20,860   |   |   |   | (84,890 | ) |
| Loan purchases, net of principal collected                                                                              |   |                     | (2,587   | ) |   |   | (155,984 | ) |
| Net deferred fee activity                                                                                               |   |                     | (578     | ) |   |   | 490 |   |
| Purchases of premises and equipment                                                                                     |   |                     | (5,094   | ) |   |   | (5,838 | ) |
| Proceeds from sales of REO                                                                                              |   |                     | 5,967    |   |   |   | 3,273 |   |
|              Net cash used in investing activities     |   |                     | (44,854  | ) |   |   | (240,667 | ) |

----

|                                                                                                                         |   |                     |     |
|------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------|----------|
|                                                                                                                         |   | For the Six Months Ended |     |
|                                                                                                                         |   | March 31,                |     |
|                                                                                                                         |   | 2010                     |     |   | 2009 |   |
| CASH FLOWS FROM FINANCING ACTIVITIES:                                                                                        |   |                     |     |   |   |   |
| Dividends paid                                                                                                               |   |                     | (27,408  | ) |   |   | (23,173 | ) |
| Deposits, net of withdrawals                                                                                                 |   |                     | 90,457   |   |   |   | 192,631 |   |
| Proceeds from advances/line of credit from FHLB                                                                              |   |                     | --       |   |   |   | 1,261,102 |   |
| Repayments on advances/line of credit from FHLB                                                                              |   |                     | --       |   |   |   | (1,261,102 | ) |
| Deferred FHLB prepayment penalty                                                                                             |   |                     | --       |   |   |   | (36,153 | ) |
| Change in advance payments by borrowers for taxes and insurance                                                         |   |                     | (6,561   | ) |   |   | (6,780 | ) |
| Acquisitions of treasury stock                                                                                               |   |                     | (4,019   | ) |   |   | (2,426 | ) |
| Stock options exercised                                                                                                      |   |                     | 86       |   |   |   | 1,203 |   |
| Excess tax benefits from stock options                                                                                       |   |                     | 34       |   |   |   | 500 |   |
|              Net cash provided by financing activities |   |                     | 52,589   |   |   |   | 125,802 |   |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS                                                                    |   |                     | 19,581   |   |   |   | (35,113 | ) |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
| CASH AND CASH EQUIVALENTS:                                                                                                   |   |                     |     |   |   |   |   |   |
| Beginning of period                                                                                                          |   |                     | 41,154   |   |   |   | 87,138 |   |
| End of period                                                                                                                |   | $                        | 60,735   |   |   | $ | 52,025 |   |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                                                           |   |                     |     |   |   |   |   |   |
|       Income tax payments                                                                      |   | $                        | 20,687   |   |   | $ | 15,596 |   |
|       Interest payments, net of interest credited to deposits                                  |   | $                        | 59,550   |   |   | $ | 71,907 |   |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURE OF NON-CASH                                                                                          |   |                     |     |   |   |   |   |   |
|       INVESTING AND FINANCING ACTIVITIES:                                                      |   |                     |     |   |   |   |   |   |
|       Loans transferred to REO                                                                 |   | $                        | 5,344    |   |   | $ | 5,137 |   |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
|       Transfer of loans receivable to LHFS, net                                                     |   | $                        | --  |   |   | $ | 175,862  |   |
|                                                                                                                         |   |                     |     |   |   |   |   |   |
|       Swap of loans for trading securities                                                     |   | $                        | 193,889  |   |   | $ | -- |   |

<Index>

----

----

|                                                                                                       |   | For the Three Months Ended                      |       |   | For the Six Months Ended |   |
|------------------------------------------------------------------------------------------------------------|--------|-------------------------------------------------|------------|--------|--------------------------|--------|
|                                                                                                       |   | March 31,                                       |       |   | March 31,                |   |
|                                                                                                       |   | 2010                                            |       |   | 2009                     |   |   | 2010 |   |   | 2009 |   |
|                                                                                                       |   | (in thousands, except share and per share data) |       |
| Net income(1)                                                                                              |   | $                                               | 14,655     |   |                     | $      | 18,132 |   |   | $ | 35,635 |   |   | $ | 33,984 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Average common shares outstanding                                                                          |   |                                            | 73,162,850 |   |                     |   | 73,062,516 |   |   |   | 73,215,056 |   |   |   | 73,062,425 |   |
| Average committed ESOP shares outstanding                                                                  |   |                                            | 50,970     |   |                     |   | 50,970 |   |   |   | 25,482 |   |   |   | 25,482 |   |
| Total basic average common shares outstanding                                                              |   |                                            | 73,213,820 |   |                     |   | 73,113,486 |   |   |   | 73,240,538 |   |   |   | 73,087,907 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Effect of dilutive RRP shares                                                                              |   |                                            | 2,585      |   |                     |   | 4,269 |   |   |   | 3,985 |   |   |   | 6,535 |   |
| Effect of dilutive stock options                                                                           |   |                                            | 26,070     |   |                     |   | 57,074 |   |   |   | 19,275 |   |   |   | 73,628 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Total diluted average common shares outstanding                                                       |   |                                            | 73,242,475 |   |                     |   | 73,174,829 |   |   |   | 73,263,798 |   |   |   | 73,168,070 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Net EPS:                                                                                                   |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|      Basic                                                                        |   | $                                               | 0.20       |   |                     | $      | 0.25 |   |   | $ | 0.49 |   |   | $ | 0.46 |   |
|      Diluted                                                                      |   | $                                               | 0.20       |   |                     | $      | 0.25 |   |   | $ | 0.49 |   |   | $ | 0.46 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Antidilutive stock options and RRP excluded from the diluted average common shares outstanding calculation |   |                                            | 156,752    |   |                     |   | 55,800 |   |   |   | 285,350 |   |   |   | 55,800 |   |
|                                                                                                       |   |                                            |       |   |                     |   |   |   |   |   |   |   |   |   |   |   |

----

| • |   | Level 1 — Valuation is based upon quoted prices for identical instruments traded in active markets.                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|---------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| • |   | Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.                                                                                                                                                                                                                                                                           |
|    |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| • |   | Level 3 — Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flow models, and similar techniques. The results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability.  |

----

|                       |   |                   |      |   | Quoted Prices        |   |   | Significant      |   |   | Significant  |   |
|----------------------------|--------|------------------------|-----------|--------|----------------------|--------|--------|------------------|--------|--------|--------------|--------|
|                       |   |                   |      |   | in Active Markets    |   |   | Other Observable |   |   | Unobservable |   |
|                       |   | Carrying               |      |   | for Identical Assets |   |   | Inputs           |   |   | Inputs       |   |
|                       |   | Value                  |      |   | (Level 1)            |   |   | (Level 2)        |   |   | (Level 3)(1) |   |
|                       |   | (Dollars in thousands) |      |
| GSE debentures             |   | $                      | 136,094   |   |                 | $      | --     |             |   | $      | 136,094      |   |   | $ | -- |   |
| Municipal bonds            |   |                   | 2,735     |   |                 |   | --     |             |   |   | 2,735        |   |   |   | -- |   |
| Trust preferred securities |   |                   | 3,064     |   |                 |   | --     |             |   |   | --           |   |   |   | 3,064 |   |
| MBS                        |   |                   | 1,212,991 |   |                 |   | --     |             |   |   | 1,212,991    |   |   |   | -- |   |
|                  |   | $                      | 1,354,884 |   |                 | $      | --     |             |   | $      | 1,351,820    |   |   | $ | 3,064 |   |

| (1)   | The Company’s Level 3 AFS securities have had no activity since September 30, 2009, except for reductions in net unrealized losses recognized in other comprehensive income.  Reductions of net unrealized losses included in other comprehensive income for the three and six months ended March 31, 2010 was $417 thousand and $610 thousand, respectively. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|           |   |                   |   |   | Quoted Prices        |   |   | Significant      |   |   | Significant  |   |
|----------------|--------|------------------------|--------|--------|----------------------|--------|--------|------------------|--------|--------|--------------|--------|
|           |   |                   |   |   | in Active Markets    |   |   | Other Observable |   |   | Unobservable |   |
|           |   | Carrying               |   |   | for Identical Assets |   |   | Inputs           |   |   | Inputs       |   |
|           |   | Value                  |   |   | (Level 1)            |   |   | (Level 2)        |   |   | (Level 3)    |   |
|           |   | (Dollars in thousands) |   |
| Impaired loans |   | $                      | 53,559 |   |                 | $      | --     |             |   | $      | --           |   |   | $ | 53,559 |   |
| REO            |   |                   | 6,861  |   |                 |   | --     |             |   |   | --           |   |   |   | 6,861 |   |
|      |   | $                      | 60,420 |   |                 | $      | --     |             |   | $      | --           |   |   | $ | 60,420 |   |

----

|                                  |   | At                     |      |   | At                 |   |
|---------------------------------------|--------|------------------------|-----------|--------|--------------------|--------|
|                                  |   | March 31, 2010         |      |   | September 30, 2009 |   |
|                                  |   |                   |      |   | Estimated          |   |   |   |   |   | Estimated |   |
|                                  |   | Carrying               |      |   | Fair               |   |   | Carrying |   |   | Fair |   |
|                                  |   | Amount                 |      |   | Value              |   |   | Amount |   |   | Value |   |
|                                  |   | (Dollars in thousands) |      |
| Financial assets:                     |   |                   |      |   |               |   |   |   |   |   |   |   |
|   Cash and cash equivalents |   | $                      | 60,735    |   |               | $      | 60,735 |   |   | $ | 41,154 |   |   | $ | 41,154 |   |
|   Investment securities:    |   |                   |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
|     AFS           |   |                   | 141,893   |   |               |   | 141,893 |   |   |   | 234,784 |   |   |   | 234,784 |   |
|     HTM           |   |                   | 828,538   |   |               |   | 831,112 |   |   |   | 245,920 |   |   |   | 248,929 |   |
|   MBS:                      |   |                   |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
|     AFS           |   |                   | 1,212,991 |   |               |   | 1,212,991 |   |   |   | 1,389,211 |   |   |   | 1,389,211 |   |
|     HTM           |   |                   | 544,319   |   |               |   | 566,397 |   |   |   | 603,256 |   |   |   | 627,829 |   |
|   Loans receivable          |   |                   | 5,380,852 |   |               |   | 5,565,577 |   |   |   | 5,603,965 |   |   |   | 5,801,724 |   |
|   BOLI                      |   |                   | 54,000    |   |               |   | 54,000 |   |   |   | 53,509 |   |   |   | 53,509 |   |
|   Capital stock of FHLB     |   |                   | 135,050   |   |               |   | 135,050 |   |   |   | 133,064 |   |   |   | 133,064 |   |
| Financial liabilities:                |   |                   |      |   |               |   |   |   |   |   |   |   |   |   |   |   |
|   Deposits                  |   |                   | 4,319,066 |   |               |   | 4,374,285 |   |   |   | 4,228,609 |   |   |   | 4,294,454 |   |
|   Advances from FHLB        |   |                   | 2,395,842 |   |               |   | 2,535,992 |   |   |   | 2,392,570 |   |   |   | 2,554,206 |   |
|   Other borrowings          |   |                   | 713,609   |   |               |   | 740,580 |   |   |   | 713,609 |   |   |   | 742,301 |   |

----

----

|                                         |   | March 31, 2010         |      |
|----------------------------------------------|--------|------------------------|-----------|
|                                         |   |                   |      |   | Gross |   |   | Gross |   |   | Estimated |   |
|                                         |   | Amortized              |      |   | Unrealized |   |   | Unrealized |   |   | Fair |   |
|                                         |   | Cost                   |      |   | Gains |   |   | Losses |   |   | Value |   |
|                                         |   | (Dollars in thousands) |      |
| AFS:                                         |   |                   |      |   |   |   |   |   |   |   |   |   |
|    GSE debentures             |   | $                      | 135,596   |   |   | $ | 498 |   |   | $ | -- |   |   | $ | 136,094 |   |
|    Municipal bonds            |   |                   | 2,658     |   |   |   | 90 |   |   |   | 13 |   |   |   | 2,735 |   |
|    Trust preferred securities |   |                   | 3,748     |   |   |   | -- |   |   |   | 684 |   |   |   | 3,064 |   |
|    MBS                        |   |                   | 1,163,420 |   |   |   | 49,640 |   |   |   | 69 |   |   |   | 1,212,991 |   |
|                                         |   |                   | 1,305,422 |   |   |   | 50,228 |   |   |   | 766 |   |   |   | 1,354,884 |   |
| HTM:                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    GSE debentures             |   |                   | 759,389   |   |   |   | 1,280 |   |   |   | 289 |   |   |   | 760,380 |   |
|    Municipal bonds            |   |                   | 69,149    |   |   |   | 1,686 |   |   |   | 103 |   |   |   | 70,732 |   |
|    MBS                        |   |                   | 544,319   |   |   |   | 22,199 |   |   |   | 121 |   |   |   | 566,397 |   |
|                                         |   |                   | 1,372,857 |   |   |   | 25,165 |   |   |   | 513 |   |   |   | 1,397,509 |   |
|                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | $                      | 2,678,279 |   |   | $ | 75,393 |   |   | $ | 1,279 |   |   | $ | 2,752,393 |   |
|                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | September 30, 2009     |      |
|                                         |   |                   |      |   |   | Gross |   |   | Gross |   |   | Estimated |   |
|                                         |   | Amortized              |      |   | Unrealized |   |   | Unrealized |   |   | Fair |   |
|                                         |   | Cost                   |      |   | Gains |   |   | Losses |   |   | Value |   |
|                                         |   | (Dollars in thousands) |      |
| AFS:                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    GSE debentures             |   | $                      | 228,743   |   |   | $ | 1,132 |   |   | $ | -- |   |   | $ | 229,875 |   |
|    Municipal bonds            |   |                   | 2,668     |   |   |   | 131 |   |   |   | -- |   |   |   | 2,799 |   |
|    Trust preferred securities |   |                   | 3,774     |   |   |   | -- |   |   |   | 1,664 |   |   |   | 2,110 |   |
|    MBS                        |   |                   | 1,334,357 |   |   |   | 55,552 |   |   |   | 698 |   |   |   | 1,389,211 |   |
|                                         |   |                   | 1,569,542 |   |   |   | 56,815 |   |   |   | 2,362 |   |   |   | 1,623,995 |   |
| HTM:                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    GSE debentures             |   |                   | 175,394   |   |   |   | 535 |   |   |   | -- |   |   |   | 175,929 |   |
|    Municipal bonds            |   |                   | 70,526    |   |   |   | 2,514 |   |   |   | 40 |   |   |   | 73,000 |   |
|    MBS                        |   |                   | 603,256   |   |   |   | 24,645 |   |   |   | 72 |   |   |   | 627,829 |   |
|                                         |   |                   | 849,176   |   |   |   | 27,694 |   |   |   | 112 |   |   |   | 876,758 |   |
|                                         |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                         |   | $                      | 2,418,718 |   |   | $ | 84,509 |   |   | $ | 2,474 |   |   | $ | 2,500,753 |   |

|        |   | For the Three Months Ended |   |   | For the Six Months Ended |   |
|-------------|--------|----------------------------|--------|--------|--------------------------|--------|
|        |   | March 31,                  |   |   | March 31,                |   |
|        |   | 2010                       |   |   | 2009                     |   |   | 2010 |   |   | 2009 |   |
|        |   | (Dollars in thousands)     |   |
| Taxable     |   | $                          | 3,188  |   |                     | $      | 460 |   |   | $ | 5,213 |   |   | $ | 1,300 |   |
| Non-taxable |   |                       | 538    |   |                     |   | 495 |   |   |   | 1,072 |   |   |   | 981 |   |
|        |   | $                          | 3,726  |   |                     | $      | 955 |   |   | $ | 6,285 |   |   | $ | 2,281 |   |

----

|                             |   | March 31, 2010         |   |
|----------------------------------|--------|------------------------|--------|
|                             |   | Less Than              |   |   | Equal to or Greater |   |
|                             |   | 12 Months              |   |   | Than 12 Months |   |
|                             |   |                   |   |   | Estimated |   |   | Unrealized |   |   |   |   |   | Estimated |   |   | Unrealized |   |
|                             |   | Count                  |   |   | Fair Value |   |   | Losses |   |   | Count |   |   | Fair Value |   |   | Losses |   |
| AFS:                             |   | (Dollars in thousands) |   |
|  GSE debentures             |   |                   | --     |   |   | $ | -- |   |   | $ | -- |   |   |   | -- |   |   | $ | -- |   |   | $ | -- |   |
|  Municipal bonds            |   |                   | 1      |   |   |   | 412 |   |   |   | 13 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|  Trust preferred securities |   |                   | --     |   |   |   | -- |   |   |   | -- |   |   |   | 1 |   |   |   | 3,064 |   |   |   | 684 |   |
|  MBS                        |   |                   | 43     |   |   |   | 12,174 |   |   |   | 53 |   |   |   | 10 |   |   |   | 1,640 |   |   |   | 16 |   |
|                             |   |                   | 44     |   |   | $ | 12,586 |   |   | $ | 66 |   |   |   | 11 |   |   | $ | 4,704 |   |   | $ | 700 |   |
|                             |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| HTM:                             |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  GSE debentures             |   |                   | 9      |   |   | $ | 217,763 |   |   | $ | 289 |   |   |   | -- |   |   | $ | -- |   |   | $ | -- |   |
|  Municipal bonds            |   |                   | 10     |   |   |   | 5,966 |   |   |   | 46 |   |   |   | 2 |   |   |   | 1,322 |   |   |   | 57 |   |
|  MBS                        |   |                   | 7      |   |   |   | 16,280 |   |   |   | 121 |   |   |   | 1 |   |   |   | 53 |   |   |   | -- |   |
|                             |   |                   | 26     |   |   | $ | 240,009 |   |   | $ | 456 |   |   |   | 3 |   |   | $ | 1,375 |   |   | $ | 57 |   |
|                             |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                             |   | September 30, 2009     |   |
|                             |   | Less Than              |   |   | Equal to or Greater |   |
|                             |   | 12 Months              |   |   | Than 12 Months |   |
|                             |   |                   |   |   |   | Estimated |   |   | Unrealized |   |   |   |   |   |   | Estimated |   |   | Unrealized |   |
|                             |   | Count                  |   |   | Fair Value |   |   | Losses |   |   | Count |   |   | Fair Value |   |   | Losses |   |
| AFS:                             |   | (Dollars in thousands) |   |
|  Trust preferred securities |   |                   | --     |   |   | $ | -- |   |   | $ | -- |   |   |   | 1 |   |   | $ | 2,110 |   |   | $ | 1,664 |   |
|  MBS                        |   |                   | 16     |   |   |   | 57,157 |   |   |   | 600 |   |   |   | 37 |   |   |   | 15,804 |   |   |   | 98 |   |
|                             |   |                   | 16     |   |   | $ | 57,157 |   |   | $ | 600 |   |   |   | 38 |   |   | $ | 17,914 |   |   | $ | 1,762 |   |
|                             |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| HTM:                             |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Municipal bonds            |   |                   | 4      |   |   | $ | 1,930 |   |   | $ | 36 |   |   |   | 1 |   |   | $ | 495 |   |   | $ | 4 |   |
|  MBS                        |   |                   | 3      |   |   |   | 5,563 |   |   |   | 26 |   |   |   | 4 |   |   |   | 11,043 |   |   |   | 46 |   |
|                             |   |                   | 7      |   |   | $ | 7,493 |   |   | $ | 62 |   |   |   | 5 |   |   | $ | 11,538 |   |   | $ | 50 |   |

----

|                         |   | AFS                    |      |   | HTM       |   |
|------------------------------|--------|------------------------|-----------|--------|-----------|--------|
|                         |   |                   |      |   | Estimated |   |   |   |   |   | Estimated |   |
|                         |   | Amortized              |      |   | Fair      |   |   | Amortized |   |   | Fair |   |
|                         |   | Cost                   |      |   | Value     |   |   | Cost |   |   | Value |   |
|                         |   | (Dollars in thousands) |      |
| One year or less             |   | $                      | 25,543    |   |      | $      | 25,750 |   |   | $ | 1,676 |   |   | $ | 1,703 |   |
| One year through five years  |   |                   | 110,635   |   |      |   | 110,931 |   |   |   | 779,841 |   |   |   | 781,414 |   |
| Five years through ten years |   |                   | 133,073   |   |      |   | 141,601 |   |   |   | 334,160 |   |   |   | 348,959 |   |
| Ten years and thereafter     |   |                   | 1,036,171 |   |      |   | 1,076,602 |   |   |   | 257,180 |   |   |   | 265,433 |   |
|                         |   | $                      | 1,305,422 |   |      | $      | 1,354,884 |   |   | $ | 1,372,857 |   |   | $ | 1,397,509 |   |

----

----

| ·   | our ability to continue to maintain overhead costs at reasonable levels; |
|--------------------|--------------------------------------------------------------------------|

| ·   | our ability to continue to originate a significant volume of one- to four-family mortgage loans in our market area; |
|--------------------|---------------------------------------------------------------------------------------------------------------------|

| ·   | our ability to acquire funds from or invest funds in wholesale or secondary markets; |
|--------------------|--------------------------------------------------------------------------------------|

| ·   | the future earnings and capital levels of the Bank and the continued non-objection by our primary regulator, the OTS, to distribute capital from the Bank to the Company, which could affect the ability of the Company to pay dividends in accordance with its dividend policies; |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the continued ability of the MHC to waive the receipt of dividends from the Company, the loss of which, whether due to a change in existing law, regulation or regulatory policy or otherwise, could adversely affect the ability of the Company to pay dividends in accordance with its dividend policies; |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | fluctuations in deposit flows, loan demand, and/or real estate values, as well as unemployment levels, which may adversely affect our business; |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the credit risks of lending and investing activities, including changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the ALLL; |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | results of examinations of the Bank by the OTS, including the possibility that the OTS may, among other things, require the Bank to increase its ALLL; |
|--------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the strength of the U.S. economy in general and the strength of the local economies in which we conduct operations; |
|--------------------|---------------------------------------------------------------------------------------------------------------------|

| ·   | the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the effects of, and changes in, foreign and military policies of the United States Government; |
|--------------------|------------------------------------------------------------------------------------------------|

| ·   | inflation, interest rate, market and monetary fluctuations; |
|--------------------|-------------------------------------------------------------|

| ·   | our ability to access cost-effective funding; |
|--------------------|-----------------------------------------------|

| ·   | the timely development of and acceptance of our new products and services and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors’ products and services; |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | the willingness of users to substitute competitors’ products and services for our products and services; |
|--------------------|----------------------------------------------------------------------------------------------------------------|

| ·   | our success in gaining regulatory approval of our products and services and branching locations, when required; |
|--------------------|-----------------------------------------------------------------------------------------------------------------|

| ·   | the impact of changes in financial services laws and regulations, including laws concerning taxes, banking securities and insurance and the impact of other governmental initiatives affecting the financial services industry; |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | implementing business initiatives may be more difficult or expensive than anticipated; |
|--------------------|----------------------------------------------------------------------------------------|

| ·   | technological changes; |
|--------------------|------------------------|

| ·   | acquisitions and dispositions; |
|--------------------|--------------------------------|

| ·   | changes in consumer spending and saving habits; and |
|--------------------|-----------------------------------------------------|

| ·   | our success at managing the risks involved in our business |
|--------------------|------------------------------------------------------------|

----

----

----

----

----

|                                    |   | Balance at                                       |      |
|-----------------------------------------|--------|--------------------------------------------------|-----------|
|                                    |   | March 31,                                        |      |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |
|                                    |   | 2010                                             |      |   | 2009 |   |   | 2009 |   |   | 2009 |   |   | 2009 |   |
|                                    |   | (Dollars in thousands, except per share amounts) |      |
|                                    |   |                                             |      |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                            |   | $                                                | 8,485,465 |   |   | $ | 8,374,762 |   |   | $ | 8,403,680 |   |   | $ | 8,319,292 |   |   | $ | 8,269,881 |   |
| Cash and cash equivalents               |   |                                             | 60,735    |   |   |   | 105,128 |   |   |   | 41,154 |   |   |   | 74,101 |   |   |   | 52,025 |   |
| Investment securities                   |   |                                             | 970,431   |   |   |   | 651,943 |   |   |   | 480,704 |   |   |   | 322,166 |   |   |   | 214,410 |   |
| MBS                                     |   |                                             | 1,757,310 |   |   |   | 1,877,969 |   |   |   | 1,992,467 |   |   |   | 2,100,998 |   |   |   | 2,204,369 |   |
| Loans receivable, net                   |   |                                             | 5,380,852 |   |   |   | 5,423,923 |   |   |   | 5,603,965 |   |   |   | 5,541,731 |   |   |   | 5,377,699 |   |
| Capital stock of FHLB                   |   |                                             | 135,050   |   |   |   | 134,064 |   |   |   | 133,064 |   |   |   | 132,071 |   |   |   | 131,278 |   |
| Deposits                                |   |                                             | 4,319,066 |   |   |   | 4,227,252 |   |   |   | 4,228,609 |   |   |   | 4,175,251 |   |   |   | 4,116,514 |   |
| Advances from FHLB                      |   |                                             | 2,395,842 |   |   |   | 2,394,214 |   |   |   | 2,392,570 |   |   |   | 2,410,949 |   |   |   | 2,411,560 |   |
| Other borrowings                        |   |                                             | 713,609   |   |   |   | 713,609 |   |   |   | 713,609 |   |   |   | 713,609 |   |   |   | 713,609 |   |
| Stockholders' equity                    |   |                                             | 946,073   |   |   |   | 941,999 |   |   |   | 941,298 |   |   |   | 922,634 |   |   |   | 916,391 |   |
| Accumulated other comprehensive income  |   |                                             | 30,765    |   |   |   | 30,875 |   |   |   | 33,870 |   |   |   | 23,512 |   |   |   | 24,622 |   |
| Equity to total assets at end of period |   |                                             | 11.1      | % |   |   | 11.2 | % |   |   | 11.2 | % |   |   | 11.1 | % |   |   | 11.1 | % |
| Book value per share                    |   | $                                                | 12.91     |   |   | $ | 12.86 |   |   | $ | 12.85 |   |   | $ | 12.60 |   |   | $ | 12.52 |   |
| Bank tangible equity ratio (1)          |   |                                             | 10.0      | %  |   |   | 10.1 | % |   |   | 10.0 | % |   |   | 9.8 | % |   |   | 9.9 | % |

----

|    |   |
|--------------|--------|

----

|                                                |   | For the Three Months Ended |    |   | For the Three Months Ended |   |
|-----------------------------------------------------|--------|----------------------------|---------|--------|----------------------------|--------|
|                                                |   | March 31, 2010             |    |   | March 31, 2009             |   |
|                                                |   | Amount                     |    |   | Rate                       |   |   | % of Total |   |   | Amount |   |   | Rate |   |   | % of Total |   |
| Fixed-Rate:                                         |   | (Dollars in thousands)     |    |
|    One- to four-family               |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       <= 15 years  |   | $                          | 39,482  |   |                       |   | 4.50 | % |   |   | 22.8 | % |   | $ | 75,884 |   |   |   | 4.82 | % |   |   | 18.7 | % |
|       > 15 years   |   |                       | 78,794  |   |                       |   | 5.09 |   |   |   | 45.6 |   |   |   | 226,148 |   |   |   | 5.10 |   |   |   | 55.7 |   |
|    Other real estate                 |   |                       | --      |   |                       |   | -- |   |   |   | -- |   |   |   | 5,971 |   |   |   | 6.00 |   |   |   | 1.5 |   |
|    Home equity                       |   |                       | 1,448   |   |                       |   | 7.51 |   |   |   | 0.8 |   |   |   | 1,711 |   |   |   | 7.68 |   |   |   | 0.4 |   |
|    Other consumer                    |   |                       | 387     |   |                       |   | 8.16 |   |   |   | 0.2 |   |   |   | 400 |   |   |   | 8.05 |   |   |   | 0.1 |   |
|     Total fixed-rate            |   |                       | 120,111 |   |                       |   | 4.94 |   |   |   | 69.4 |   |   |   | 310,114 |   |   |   | 5.07 |   |   |   | 76.4 |   |
|                                                |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustable-Rate:                                    |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family               |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       <= 36 months |   |                       | 5,819   |   |                       |   | 3.22 |   |   |   | 3.4 |   |   |   | 50,448 |   |   |   | 4.79 |   |   |   | 12.4 |   |
|       > 36 months  |   |                       | 27,629  |   |                       |   | 4.22 |   |   |   | 16.0 |   |   |   | 23,117 |   |   |   | 5.16 |   |   |   | 5.7 |   |
|    Other real estate                 |   |                       | --      |   |                       |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Home equity                       |   |                       | 18,723  |   |                       |   | 4.84 |   |   |   | 10.8 |   |   |   | 21,217 |   |   |   | 4.79 |   |   |   | 5.3 |   |
|    Other consumer                    |   |                       | 619     |   |                       |   | 4.59 |   |   |   | 0.4 |   |   |   | 836 |   |   |   | 5.33 |   |   |   | 0.2 |   |
|     Total adjustable-rate       |   |                       | 52,790  |   |                       |   | 4.33 |   |   |   | 30.6 |   |   |   | 95,618 |   |   |   | 4.88 |   |   |   | 23.6 |   |
|                                                |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total originations, refinances and purchases        |   | $                          | 172,901 |   |                       |   | 4.75 | % |   |   | 100.0 | % |   | $ | 405,732 |   |   |   | 5.02 | % |   |   | 100.0 | % |
|                                                |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Purchased loans included above:                     |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed-Rate:                                         |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Correspondent               |   | $                          | 12,417  |   |                       |   | 5.03 | % |   |   |   |   |   | $ | 33,226 |   |   |   | 5.18 | % |   |   |   |   |
|     Nationwide                  |   |                       | --      |   |                       |   | -- |   |   |   |   |   |   |   | -- |   |   |   | -- |   |   |   |   |   |
| Adjustable-Rate:                                    |   |                       |    |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Correspondent               |   |                       | 7,494   |   |                       |   | 4.42 |   |   |   |   |   |   |   | 4,851 |   |   |   | 5.12 |   |   |   |   |   |
|     Nationwide                  |   |                       | 6,517   |   |                       |   | 3.59 |   |   |   |   |   |   |   | 65,498 |   |   |   | 4.89 |   |   |   |   |   |
| Total purchased loans                               |   | $                          | 26,428  |   |                       |   | 4.50 | % |   |   |   |   |   | $ | 103,575 |   |   |   | 4.99 | % |   |   |   |   |

----

|                                                |   | For the Six Months Ended |    |   | For the Six Months Ended |   |
|-----------------------------------------------------|--------|--------------------------|---------|--------|--------------------------|--------|
|                                                |   | March 31, 2010           |    |   | March 31, 2009           |   |
|                                                |   | Amount                   |    |   | Rate                     |   |   | % of Total |   |   | Amount |   |   | Rate |   |   | % of Total |   |
| Fixed-Rate:                                         |   | (Dollars in thousands)   |    |
|    One- to four-family               |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       <= 15 years  |   | $                        | 96,437  |   |                     |   | 4.56 | % |   |   | 22.3 | % |   | $ | 103,901 |   |   |   | 4.99 | % |   |   | 14.5 | % |
|       > 15 years   |   |                     | 196,577 |   |                     |   | 5.09 |   |   |   | 45.5 |   |   |   | 333,293 |   |   |   | 5.32 |   |   |   | 46.4 |   |
|    Other real estate                 |   |                     | --      |   |                     |   | -- |   |   |   | -- |   |   |   | 11,936 |   |   |   | 5.94 |   |   |   | 1.7 |   |
|    Home equity                       |   |                     | 2,948   |   |                     |   | 7.48 |   |   |   | 0.7 |   |   |   | 4,562 |   |   |   | 7.54 |   |   |   | 0.7 |   |
|    Other consumer                    |   |                     | 805     |   |                     |   | 8.52 |   |   |   | 0.1 |   |   |   | 833 |   |   |   | 8.30 |   |   |   | 0.1 |   |
|     Total fixed-rate            |   |                     | 296,767 |   |                     |   | 4.95 |   |   |   | 68.6 |   |   |   | 454,525 |   |   |   | 5.29 |   |   |   | 63.4 |   |
|                                                |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustable-Rate:                                    |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family               |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       <= 36 months |   |                     | 38,764  |   |                     |   | 3.32 |   |   |   | 9.0 |   |   |   | 138,524 |   |   |   | 4.92 |   |   |   | 19.3 |   |
|       > 36 months  |   |                     | 54,499  |   |                     |   | 4.29 |   |   |   | 12.6 |   |   |   | 79,039 |   |   |   | 5.27 |   |   |   | 11.0 |   |
|    Other real estate                 |   |                     | --      |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Home equity                       |   |                     | 40,533  |   |                     |   | 4.85 |   |   |   | 9.4 |   |   |   | 43,965 |   |   |   | 4.94 |   |   |   | 6.1 |   |
|    Other consumer                    |   |                     | 1,809   |   |                     |   | 4.68 |   |   |   | 0.4 |   |   |   | 1,591 |   |   |   | 5.41 |   |   |   | 0.2 |   |
|     Total adjustable-rate       |   |                     | 135,605 |   |                     |   | 4.18 |   |   |   | 31.4 |   |   |   | 263,119 |   |   |   | 5.03 |   |   |   | 36.6 |   |
|                                                |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total originations, refinances and purchases        |   | $                        | 432,372 |   |                     |   | 4.71 | % |   |   | 100.0 | % |   | $ | 717,644 |   |   |   | 5.20 | % |   |   | 100.0 | % |
|                                                |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Purchased loans included above:                     |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed-Rate:                                         |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Correspondent               |   | $                        | 30,228  |   |                     |   | 5.07 | % |   |   |   |   |   | $ | 46,975 |   |   |   | 5.36 | % |   |   |   |   |
|     Nationwide                  |   |                     | 2,338   |   |                     |   | 5.05 |   |   |   |   |   |   |   | 256 |   |   |   | 4.38 |   |   |   |   |   |
| Adjustable-Rate:                                    |   |                     |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Correspondent               |   |                     | 17,191  |   |                     |   | 4.46 |   |   |   |   |   |   |   | 11,100 |   |   |   | 5.48 |   |   |   |   |   |
|     Nationwide                  |   |                     | 41,750  |   |                     |   | 3.49 |   |   |   |   |   |   |   | 191,313 |   |   |   | 5.00 |   |   |   |   |   |
| Total purchased loans                               |   | $                        | 91,507  |   |                     |   | 4.23 | % |   |   |   |   |   | $ | 249,644 |   |   |   | 5.09 | % |   |   |   |   |

----

|                               |   | For the Three Months Ended |      |
|------------------------------------|--------|----------------------------|-----------|
|                               |   | March 31, 2010             |      | December 31, 2009 |   | September 30, 2009 |   |   | June 30, 2009 |   |
|                               |   | Amount                     |      |   | Rate |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |
|                               |   | (Dollars in thousands)     |      |
| Beginning balance                  |   | $                          | 5,463,744 |   |   |   | 5.23 | % |   | $ | 5,646,950 |   |   |   | 5.29 | % |   | $ | 5,587,130 |   |   |   | 5.36 | % |   | $ | 5,422,798 |   |   |   | 5.50 | % |
| Originations and refinances        |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                  |   |                       | 107,694   |   |   |   | 4.93 |   |   |   | 156,507 |   |   |   | 4.95 |   |   |   | 255,441 |   |   |   | 5.07 |   |   |   | 325,640 |   |   |   | 4.96 |   |
|   Adjustable             |   |                       | 38,779    |   |   |   | 4.44 |   |   |   | 37,885 |   |   |   | 4.57 |   |   |   | 37,948 |   |   |   | 4.75 |   |   |   | 32,652 |   |   |   | 4.78 |   |
| Purchases                          |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                  |   |                       | 12,417    |   |   |   | 5.03 |   |   |   | 20,149 |   |   |   | 5.09 |   |   |   | 24,670 |   |   |   | 5.08 |   |   |   | 37,912 |   |   |   | 5.11 |   |
|   Adjustable             |   |                       | 14,011    |   |   |   | 4.03 |   |   |   | 44,930 |   |   |   | 3.69 |   |   |   | 11,662 |   |   |   | 4.82 |   |   |   | 9,544 |   |   |   | 5.04 |   |
| Repayments                         |   |                       | (208,015  | ) |   |   |   |   |   |   | (243,087 | ) |   |   |   |   |   |   | (262,408 | ) |   |   |   |   |   |   | (322,104 | ) |   |   |   |   |
| Transfer of loans to LHFS, net (1) |   |                       | --        |   |   |   |   |   |   |   | (194,759 | ) |   |   |   |   |   |   | -- |   |   |   |   |   |   |   | 81,190 |   |   |   |   |   |
| Other (2)                          |   |                       | (3,172    | ) |   |   |   |   |   |   | (4,831 | ) |   |   |   |   |   |   | (7,493 | ) |   |   |   |   |   |   | (502 | ) |   |   |   |   |
| Ending balance                     |   | $                          | 5,425,458 |   |   |   | 5.19 | % |   | $ | 5,463,744 |   |   |   | 5.23 | % |   | $ | 5,646,950 |   |   |   | 5.29 | % |   | $ | 5,587,130 |   |   |   | 5.36 | % |
|                               |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                               |   | For the Six Months Ended   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                               |   | March 31, 2010             |      | March 31, 2009 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                               |   | Amount                     |      |   | Rate |   |   | Amount |   |   | Rate |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                               |   | (Dollars in thousands)     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                  |   | $                          | 5,646,950 |   |   |   | 5.29 | % |   | $ | 5,379,845 |   |   |   | 5.66 | % |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Originations and refinances        |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                  |   |                       | 264,201   |   |   |   | 4.94 |   |   |   | 407,294 |   |   |   | 5.28 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Adjustable             |   |                       | 76,664    |   |   |   | 4.50 |   |   |   | 60,706 |   |   |   | 5.07 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Purchases                          |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                  |   |                       | 32,566    |   |   |   | 5.07 |   |   |   | 47,231 |   |   |   | 5.35 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Adjustable             |   |                       | 58,941    |   |   |   | 3.77 |   |   |   | 202,413 |   |   |   | 5.02 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Repayments                         |   |                       | (451,102  | ) |   |   |   |   |   |   | (495,265 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Transfer of loans to LHFS, net (1) |   |                       | (194,759  | ) |   |   |   |   |   |   | (175,862 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other (2)                          |   |                       | (8,003    | ) |   |   |   |   |   |   | (3,564 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ending balance                     |   | $                          | 5,425,458 |   |   |   | 5.19 | % |   | $ | 5,422,798 |   |   |   | 5.50 | % |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (1)   |  “Transfer of loans to LHFS” in the December 31, 2009 quarter and the six months ended March 31, 2010 includes loans with a principal balance of $194.8 million related to the loan swap transaction. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                                |   | March 31, 2010         |      |   | December 31, 2009 |   |   | September 30, 2009 |   |
|-------------------------------------------------------------------------------------|--------|------------------------|-----------|--------|-------------------|--------|--------|--------------------|--------|
|                                                                                |   | Amount                 |      |   | Average Rate      |   |   | % of Total         |   |   | Amount |   |   | Average Rate |   |   | % of Total |   |   | Amount |   |   | Average Rate |   |   | % of Total |   |
|                                                                                |   | (Dollars in thousands) |      |
| Real Estate Loans:                                                                  |   |                   |      |   |              |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      One- to four-family                                   |   | $                      | 5,122,227 |   |              |   | 5.16   | %                  |   |   | 94.4 | % |   | $ | 5,155,773 |   |   |   | 5.21 | % |   |   | 94.4 | % |   | $ | 5,321,935 |   |   |   | 5.26 | % |   |   | 94.2 | % |
|      Multi-family and commercial                           |   |                   | 70,447    |   |              |   | 6.18   |               |   |   | 1.3 |   |   |   | 71,395 |   |   |   | 6.18 |   |   |   | 1.3 |   |   |   | 80,493 |   |   |   | 6.01 |   |   |   | 1.4 |   |
|      Construction                                          |   |                   | 34,297    |   |              |   | 5.11   |               |   |   | 0.6 |   |   |   | 33,403 |   |   |   | 5.15 |   |   |   | 0.6 |   |   |   | 39,535 |   |   |   | 5.20 |   |   |   | 0.7 |   |
|           Total real estate loans |   |                   | 5,226,971 |   |              |   | 5.17   |               |   |   | 96.3 |   |   |   | 5,260,571 |   |   |   | 5.22 |   |   |   | 96.3 |   |   |   | 5,441,963 |   |   |   | 5.27 |   |   |   | 96.3 |   |
|                                                                                |   |                   |      |   |              |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consumer Loans:                                                                     |   |                   |      |   |              |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity                                           |   |                   | 189,959   |   |              |   | 5.61   |               |   |   | 3.5 |   |   |   | 193,987 |   |   |   | 5.60 |   |   |   | 3.5 |   |   |   | 195,557 |   |   |   | 5.63 |   |   |   | 3.5 |   |
|      Other                                                 |   |                   | 8,528     |   |              |   | 5.86   |               |   |   | 0.2 |   |   |   | 9,186 |   |   |   | 6.00 |   |   |   | 0.2 |   |   |   | 9,430 |   |   |   | 6.11 |   |   |   | 0.2 |   |
|           Total consumer loans    |   |                   | 198,487   |   |              |   | 5.62   |               |   |   | 3.7 |   |   |   | 203,173 |   |   |   | 5.62 |   |   |   | 3.7 |   |   |   | 204,987 |   |   |   | 5.65 |   |   |   | 3.7 |   |
| Total loans receivable                                                              |   |                   | 5,425,458 |   |              |   | 5.19   | %                  |   |   | 100.0 | % |   |   | 5,463,744 |   |   |   | 5.23 | % |   |   | 100.0 | % |   |   | 5,646,950 |   |   |   | 5.29 | % |   |   | 100.0 | % |
|                                                                                |   |                   |      |   |              |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Less:                                                                               |   |                   |      |   |              |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Undisbursed loan funds                                |   |                   | 18,995    |   |              |   |   |               |   |   |   |   |   |   | 17,089 |   |   |   |   |   |   |   |   |   |   |   | 20,649 |   |   |   |   |   |   |   |   |   |
|      Unearned loan fees and deferred costs                 |   |                   | 10,872    |   |              |   |   |               |   |   |   |   |   |   | 10,525 |   |   |   |   |   |   |   |   |   |   |   | 12,186 |   |   |   |   |   |   |   |   |   |
|      ALLL                                                  |   |                   | 14,739    |   |              |   |   |               |   |   |   |   |   |   | 12,207 |   |   |   |   |   |   |   |   |   |   |   | 10,150 |   |   |   |   |   |   |   |   |   |
| Total loans receivable, net                                                         |   | $                      | 5,380,852 |   |              |   |   |               |   |   |   |   |   | $ | 5,423,923 |   |   |   |   |   |   |   |   |   |   | $ | 5,603,965 |   |   |   |   |   |   |   |   |   |

----

|                                  |   | Real Estate            |      |   | Consumer         |   |
|---------------------------------------|--------|------------------------|-----------|--------|------------------|--------|
|                                  |   |                   |      |   | Multi-family and |   |   | Construction |   |   |   |   |   |   |   |   |   |   |
|                                  |   | One- to Four-Family    |      |   | Commercial       |   |   | and Development(2) |   |   | Home Equity (3) |   |   | Other |   |   | Total |   |
|                                  |   |                   |      |   | Weighted         |   |   |   |   |   | Weighted |   |   |   |   |   | Weighted |   |   |   |   |   | Weighted |   |   |   |   |   | Weighted |   |   |   |   |   | Weighted |   |
|                                  |   |                   |      |   | Average          |   |   |   |   |   | Average |   |   |   |   |   | Average |   |   |   |   |   | Average |   |   |   |   |   | Average |   |   |   |   |   | Average |   |
|                                  |   | Amount                 |      |   | Rate             |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |   | Amount |   |   | Rate |   |
|                                  |   | (Dollars in thousands) |      |
| Amounts due:                          |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Within one year(1)                    |   | $                      | 1,884     |   |             |   | 6.01 | % |   | $ | 8,148 |   |   |   | 5.95 | % |   | $ | 17,867 |   |   |   | 5.16 | % |   | $ | 3,826 |   |   |   | 4.06 | % |   | $ | 1,063 |   |   |   | 5.22 | % |   | $ | 32,788 |   |   |   | 5.28 | % |
|                                  |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| After one year:                       |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Over one to two           |   |                   | 5,100     |   |             |   | 5.58 |   |   |   | 168 |   |   |   | 6.24 |   |   |   | 16,430 |   |   |   | 5.05 |   |   |   | 1,493 |   |   |   | 4.79 |   |   |   | 989 |   |   |   | 8.07 |   |   |   | 24,180 |   |   |   | 5.28 |   |
|   Over two to three         |   |                   | 13,612    |   |             |   | 5.34 |   |   |   | 5,126 |   |   |   | 6.26 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 1,912 |   |   |   | 5.15 |   |   |   | 1,142 |   |   |   | 6.49 |   |   |   | 21,792 |   |   |   | 5.60 |   |
|   Over three to five        |   |                   | 35,927    |   |             |   | 5.32 |   |   |   | 182 |   |   |   | 6.03 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 3,394 |   |   |   | 5.34 |   |   |   | 4,981 |   |   |   | 5.22 |   |   |   | 44,484 |   |   |   | 5.31 |   |
|   Over five to ten          |   |                   | 461,425   |   |             |   | 5.17 |   |   |   | 25,108 |   |   |   | 6.16 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 33,522 |   |   |   | 5.12 |   |   |   | 325 |   |   |   | 8.73 |   |   |   | 520,380 |   |   |   | 5.22 |   |
|   Over 10 to 15             |   |                   | 878,508   |   |             |   | 4.95 |   |   |   | 20,732 |   |   |   | 6.23 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 57,869 |   |   |   | 4.87 |   |   |   | 28 |   |   |   | 6.50 |   |   |   | 957,137 |   |   |   | 4.97 |   |
|   After 15 years            |   |                   | 3,725,771 |   |             |   | 5.21 |   |   |   | 10,983 |   |   |   | 6.27 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 87,943 |   |   |   | 6.38 |   |   |   | -- |   |   |   | 0.00 |   |   |   | 3,824,697 |   |   |   | 5.24 |   |
| Total due after one year              |   |                   | 5,120,343 |   |             |   | 5.16 |   |   |   | 62,299 |   |   |   | 6.21 |   |   |   | 16,430 |   |   |   | 5.05 |   |   |   | 186,133 |   |   |   | 5.64 |   |   |   | 7,465 |   |   |   | 5.95 |   |   |   | 5,392,670 |   |   |   | 5.19 |   |
|                                  |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total loans                           |   | $                      | 5,122,227 |   |             |   | 5.16 | % |   | $ | 70,447 |   |   |   | 6.18 | % |   | $ | 34,297 |   |   |   | 5.11 | % |   | $ | 189,959 |   |   |   | 5.61 | % |   | $ | 8,528 |   |   |   | 5.86 | % |   |   | 5,425,458 |   |   |   | 5.19 | % |
|                                  |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Less:                                 |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Undisbursed loan funds                |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 18,995 |   |   |   |   |   |
| Unearned loan fees and deferred costs |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 10,872 |   |   |   |   |   |
| ALLL                                  |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 14,739 |   |   |   |   |   |
| Total loans receivable, net           |   |                   |      |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | $ | 5,380,852 |   |   |   |   |   |

----

|                                     |   | Fixed                  |      |   | Adjustable |   |      | Total  |   |
|------------------------------------------|--------|------------------------|-----------|--------|------------|--------|-----------|--------|--------|
|                                     |   | (Dollars in thousands) |      |
| Real Estate Loans:                       |   |                   |      |   |       |   |      |   |   |
|    One- to four-family         |   | $                      | 4,101,312 |   |       | $      | 1,019,031 |   |   | $ | 5,120,343 |   |
|    Multi-family and commercial |   |                   | 59,855    |   |       |   | 2,444     |   |   |   | 62,299 |   |
|    Construction                |   |                   | 15,700    |   |       |   | 730       |   |   |   | 16,430 |   |
| Consumer Loans:                          |   |                   |      |   |       |   |      |   |   |   |   |   |
|    Home equity            |   |                   | 51,727    |   |       |   | 134,406   |   |   |   | 186,133 |   |
|    Other                  |   |                   | 3,538     |   |       |   | 3,927     |   |   |   | 7,465 |   |
| Total                                    |   | $                      | 4,232,132 |   |       | $      | 1,160,538 |   |   | $ | 5,392,670 |   |

----

|          |   | Credit Score           |    |
|---------------|--------|------------------------|---------|
|          |   | Less than 660          |    |   | 661 to 700 |   |   | 701 to 750 |   |   | 751 and above |   | Total |   |
|          |   |                   |    |   | % of |   |   |   |   |   | % of |   |   |   |   |   | % of |   |   |   |   |   | % of |   |   |   |   |   | % of |   |
| LTV ratio     |   | Amount                 |    |   | total |   |   | Amount |   |   | total |   |   | Amount |   |   | total |   |   | Amount |   |   | total |   |   | Amount |   |   | total |   |
|          |   | (Dollars in thousands) |    |
| Less than 70% |   | $                      | 133,630 |   |   |   | 2.6 | % |   | $ | 136,135 |   |   |   | 2.7 | % |   | $ | 403,122 |   |   |   | 7.9 | % |   | $ | 1,955,340 |   |   |   | 38.2 | % |   | $ | 2,628,227 |   |   |   | 51.4 | % |
| 70% to 80%    |   |                   | 117,013 |   |   |   | 2.3 |   |   |   | 130,160 |   |   |   | 2.5 |   |   |   | 337,747 |   |   |   | 6.6 |   |   |   | 1,158,967 |   |   |   | 22.6 |   |   |   | 1,743,887 |   |   |   | 34.0 |   |
| More than 80% |   |                   | 71,560  |   |   |   | 1.4 |   |   |   | 72,568 |   |   |   | 1.4 |   |   |   | 195,104 |   |   |   | 3.8 |   |   |   | 410,881 |   |   |   | 8.0 |   |   |   | 750,113 |   |   |   | 14.6 |   |
| Total         |   | $                      | 322,203 |   |   |   | 6.3 | % |   | $ | 338,863 |   |   |   | 6.6 | % |   | $ | 935,973 |   |   |   | 18.3 | % |   | $ | 3,525,188 |   |   |   | 68.8 | % |   | $ | 5,122,227 |   |   |   | 100.0 | % |

----

|                                                         |   | March 31,              |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |
|--------------------------------------------------------------|--------|------------------------|--------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|--------|-----------|--------|
|                                                         |   | 2010                   |   |   | 2009         |   |   | 2009          |   |   | 2009     |   |   | 2009      |   |
|                                                         |   | Number                 |   |   | Amount       |   |   | Number        |   |   | Amount   |   |   | Number    |   |   | Amount |   |   | Number |   |   | Amount |   |   | Number |   |   | Amount |   |
| 30 to 89 days delinquent                                     |   | (Dollars in thousands) |   |
|    One- to four-family:                       |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Originated                          |   |                   | 143    |   |         | $      | 14,574 |          |   |   | 184      |   |   | $         | 19,468 |   |   |   | 159 |   |   | $ | 15,488 |   |   |   | 140 |   |   | $ | 12,981 |   |   |   | 115 |   |   | $ | 13,459 |   |
|      Purchased                           |   |                   | 39     |   |         |   | 9,846  |          |   |   | 44       |   |   |      | 11,464 |   |   |   | 41 |   |   |   | 10,556 |   |   |   | 49 |   |   |   | 13,225 |   |   |   | 43 |   |   |   | 9,698 |   |
|    Multi-family and commercial                |   |                   | --     |   |         |   | --     |          |   |   | 1        |   |   |      | 5      |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Construction                               |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Consumer Loans:                            |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity                    |   |                   | 35     |   |         |   | 670    |          |   |   | 49       |   |   |      | 1,021  |   |   |   | 40 |   |   |   | 708 |   |   |   | 38 |   |   |   | 746 |   |   |   | 33 |   |   |   | 611 |   |
|      Other                          |   |                   | 13     |   |         |   | 62     |          |   |   | 24       |   |   |      | 114    |   |   |   | 15 |   |   |   | 89 |   |   |   | 15 |   |   |   | 98 |   |   |   | 9 |   |   |   | 50 |   |
|                                                         |   |                   | 230    |   |         | $      | 25,152 |          |   |   | 302      |   |   | $         | 32,072 |   |   |   | 255 |   |   | $ | 26,841 |   |   |   | 242 |   |   | $ | 27,050 |   |   |   | 200 |   |   | $ | 23,818 |   |
| 30 to 89 days delinquent                                     |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      as a percentage of total loans |   |                   |   |   |         |   | 0.47   | %             |   |   |     |   |   |      | 0.59   | % |   |   |   |   |   |   | 0.48 | % |   |   |   |   |   |   | 0.49 | % |   |   |   |   |   |   | 0.44 | % |

----

|                                                          |   | March 31,              |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |
|---------------------------------------------------------------|--------|------------------------|--------|--------|--------------|--------|--------|---------------|--------|--------|----------|--------|--------|-----------|--------|
|                                                          |   | 2010                   |   |   | 2009         |   |   | 2009          |   |   | 2009     |   |   | 2009      |   |
|                                                          |   | Number                 |   |   | Amount       |   |   | Number        |   |   | Amount   |   |   | Number    |   |   | Amount |   |   | Number |   |   | Amount |   |   | Number |   |   | Amount |   |
|                                                          |   | (Dollars in thousands) |   |
| Non-performing loans:                                         |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family:                        |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Originated                           |   |                   | 107    |   |         | $      | 9,892  |          |   |   | 104      |   |   | $         | 10,040 |   |   |   | 99 |   |   | $ | 9,248 |   |   |   | 108 |   |   | $ | 11,332 |   |   |   | 96 |   |   | $ | 9,748 |   |
|      Purchased                       |   |                   | 76     |   |         |   | 23,407 |          |   |   | 70       |   |   |      | 21,912 |   |   |   | 70 |   |   |   | 21,259 |   |   |   | 59 |   |   |   | 17,270 |   |   |   | 45 |   |   |   | 12,158 |   |
|    Multi-family and commercial                 |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Construction                                |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Consumer Loans:                             |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity                     |   |                   | 41     |   |         |   | 720    |          |   |   | 32       |   |   |      | 516    |   |   |   | 22 |   |   |   | 367 |   |   |   | 29 |   |   |   | 448 |   |   |   | 26 |   |   |   | 407 |   |
|      Other                           |   |                   | 6      |   |         |   | 18     |          |   |   | 6        |   |   |      | 9      |   |   |   | 8 |   |   |   | 45 |   |   |   | 7 |   |   |   | 60 |   |   |   | 6 |   |   |   | 58 |   |
|                                                          |   |                   | 230    |   |         |   | 34,037 |          |   |   | 212      |   |   |      | 32,477 |   |   |   | 199 |   |   |   | 30,919 |   |   |   | 203 |   |   |   | 29,110 |   |   |   | 173 |   |   |   | 22,371 |   |
|                                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-performing loans                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      as a percentage of total loans  |   |                   |   |   |         |   | 0.63   | %             |   |   |     |   |   |      | 0.60   | % |   |   |   |   |   |   | 0.55 | % |   |   |   |   |   |   | 0.53 | % |   |   |   |   |   |   | 0.42 | % |
|                                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| REO:                                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family:                        |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Originated (1)                       |   |                   | 59     |   |         |   | 5,450  |          |   |   | 50       |   |   |      | 4,726  |   |   |   | 48 |   |   |   | 5,702 |   |   |   | 35 |   |   |   | 3,950 |   |   |   | 42 |   |   |   | 4,119 |   |
|      Purchased                            |   |                   | 8      |   |         |   | 1,411  |          |   |   | 9        |   |   |      | 1,911  |   |   |   | 8 |   |   |   | 1,702 |   |   |   | 5 |   |   |   | 1,127 |   |   |   | 10 |   |   |   | 1,705 |   |
|    Multi-family and commercial                 |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Construction                                |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Consumer Loans:                             |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity                     |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|      Other                           |   |                   | --     |   |         |   | --     |          |   |   | --       |   |   |      | --     |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|                                                          |   |                   | 67     |   |         |   | 6,861  |          |   |   | 59       |   |   |      | 6,637  |   |   |   | 56 |   |   |   | 7,404 |   |   |   | 40 |   |   |   | 5,077 |   |   |   | 52 |   |   |   | 5,824 |   |
|                                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total non-performing assets                                   |   |                   | 297    |   |         | $      | 40,898 |          |   |   | 271      |   |   | $         | 39,114 |   |   |   | 255 |   |   | $ | 38,323 |   |   |   | 243 |   |   | $ | 34,187 |   |   |   | 225 |   |   | $ | 28,195 |   |
|                                                          |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-performing assets                                         |   |                   |   |   |         |   |   |          |   |   |     |   |   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      as a percentage of total assets |   |                   |   |   |         |   | 0.48   | %             |   |   |     |   |   |      | 0.47   | % |   |   |   |   |   |   | 0.46 | % |   |   |   |   |   |   | 0.41 | % |   |   |   |   |   |   | 0.34 | % |

----

|                    |   |     |   |   |       |   |   | 30-89 Days |   |   | Non-       |   |   |   |   |   |   |   |
|-------------------------|--------|----------|--------|--------|------------|--------|--------|------------|--------|--------|------------|--------|--------|--------|--------|--------|--------|--------|
|                    |   | Paid Off |   |   | Performing |   |   | Delinquent |   |   | Performing |   |   | REO    |   |   | Total  |   |
| Originated              |   |     | 5.0    | %      |       |   | 38.7   | %          |   |   | 36.1       | %      |   |   | 18.3   | %      |   |   | 1.9 | % |   |   | 100.0 | % |
| Purchased               |   |     | 3.9    | %      |       |   | 21.9   | %          |   |   | 39.3       | %      |   |   | 33.3   | %      |   |   | 1.6 | % |   |   | 100.0 | % |
|                    |   |     |   |   |       |   |   |       |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total Portfolio Average |   |     | 4.5    | %      |       |   | 31.5   | %          |   |   | 37.5       | %      |   |   | 24.8   | %      |   |   | 1.7 | % |   |   | 100.0 | % |

| Origination    |   |                   |      |   |      |   |    |   |   |   | Originated     |   |   | Purchased      |   |   |   |   |
|----------------|--------|------------------------|-----------|--------|-----------|--------|---------|--------|--------|--------|----------------|--------|--------|----------------|--------|--------|--------|--------|
| Calendar       |   | Originated             |      |   | Purchased |   |    |   |   |   | Non-Performing |   |   | Non-Performing |   |   |   |   |
| Year           |   | Loans                  |      |   | Loans     |   |    | Total  |   |   | Loans          |   |   | Loans          |   |   | Total  |   |
|           |   | (Dollars in thousands) |      |
| 2002 and prior |   | $                      | 710,517   |   |      | $      | 14,819  |   |   | $      | 725,336        |   |   | $              | 3,544  |   |   | $      | 529 |   |   | $ | 4,073 |   |
| 2003           |   |                   | 395,457   |   |      |   | 32,969  |   |   |   | 428,426        |   |   |           | 661    |   |   |   | 657 |   |   |   | 1,318 |   |
| 2004           |   |                   | 306,987   |   |      |   | 210,991 |   |   |   | 517,978        |   |   |           | 1,709  |   |   |   | 6,111 |   |   |   | 7,820 |   |
| 2005           |   |                   | 397,060   |   |      |   | 203,949 |   |   |   | 601,009        |   |   |           | 694    |   |   |   | 15,449 |   |   |   | 16,143 |   |
| 2006           |   |                   | 420,836   |   |      |   | 19,702  |   |   |   | 440,538        |   |   |           | 2,071  |   |   |   | 661 |   |   |   | 2,732 |   |
| 2007           |   |                   | 545,004   |   |      |   | 173     |   |   |   | 545,177        |   |   |           | 1,213  |   |   |   | - |   |   |   | 1,213 |   |
| 2008           |   |                   | 614,646   |   |      |   | 79,381  |   |   |   | 694,027        |   |   |           | -      |   |   |   | - |   |   |   | - |   |
| 2009           |   |                   | 942,614   |   |      |   | 83,721  |   |   |   | 1,026,335      |   |   |           | -      |   |   |   | - |   |   |   | - |   |
| 2010           |   |                   | 136,884   |   |      |   | 6,517   |   |   |   | 143,401        |   |   |           | -      |   |   |   | - |   |   |   | - |   |
|           |   | $                      | 4,470,005 |   |      | $      | 652,222 |   |   | $      | 5,122,227      |   |   | $              | 9,892  |   |   | $      | 23,407 |   |   | $ | 33,299 |   |

----

|         |   |                   |      |   |            |   |   | Loans 30 to 89       |   |   |       |   |   |    |   |   |       |   |
|--------------|--------|------------------------|-----------|--------|-----------------|--------|--------|----------------------|--------|--------|------------|--------|--------|---------|--------|--------|------------|--------|
|         |   | One- to Four-Family    |      |   | Days Delinquent |   |   | Non-Performing Loans |   |
| State        |   | Balance                |      |   | % of Total      |   |   | Balance              |   |   | % of Total |   |   | Balance |   |   | % of Total |   |   | Average LTV |   |
|         |   | (Dollars in thousands) |      |
|         |   |                   |      |   |            |   |   |                 |   |   |       |   |   |    |   |   |       |   |   |   |   |
| Kansas       |   | $                      | 3,721,177 |   |            |   | 72.7   | %                    |   | $      | 11,703     |   |   |    | 47.8   | %      |       | $      | 8,636 |   |   |   | 25.9 | % |   |   | 77 | % |
| Missouri(1)  |   |                   | 770,429   |   |            |   | 15.0   |                 |   |   | 3,700      |   |   |    | 15.2   |   |       |   | 1,278 |   |   |   | 3.8 |   |   |   | 113 |   |
| Illinois     |   |                   | 74,752    |   |            |   | 1.5    |                 |   |   | 432        |   |   |    | 1.8    |   |       |   | 3,416 |   |   |   | 10.3 |   |   |   | 68 |   |
| Texas        |   |                   | 51,654    |   |            |   | 1.0    |                 |   |   | 125        |   |   |    | 0.5    |   |       |   | 390 |   |   |   | 1.2 |   |   |   | 74 |   |
| New York     |   |                   | 48,179    |   |            |   | 0.9    |                 |   |   | 1,677      |   |   |    | 6.9    |   |       |   | 720 |   |   |   | 2.2 |   |   |   | 80 |   |
| Florida      |   |                   | 46,541    |   |            |   | 0.9    |                 |   |   | 612        |   |   |    | 2.5    |   |       |   | 3,648 |   |   |   | 11.0 |   |   |   | 71 |   |
| Colorado     |   |                   | 35,169    |   |            |   | 0.7    |                 |   |   | 321        |   |   |    | 1.3    |   |       |   | 508 |   |   |   | 1.5 |   |   |   | 78 |   |
| Arizona      |   |                   | 31,629    |   |            |   | 0.6    |                 |   |   | 1,271      |   |   |    | 5.2    |   |       |   | 3,120 |   |   |   | 9.4 |   |   |   | 74 |   |
| Connecticut  |   |                   | 29,866    |   |            |   | 0.6    |                 |   |   | --         |   |   |    | --     |   |       |   | 150 |   |   |   | 0.4 |   |   |   | 67 |   |
| Virginia     |   |                   | 29,406    |   |            |   | 0.6    |                 |   |   | 567        |   |   |    | 2.3    |   |       |   | 1,405 |   |   |   | 4.2 |   |   |   | 70 |   |
| New Jersey   |   |                   | 26,950    |   |            |   | 0.5    |                 |   |   | --         |   |   |    | --     |   |       |   | 358 |   |   |   | 1.1 |   |   |   | 59 |   |
| Minnesota    |   |                   | 26,703    |   |            |   | 0.5    |                 |   |   | 796        |   |   |    | 3.3    |   |       |   | 129 |   |   |   | 0.4 |   |   |   | 70 |   |
| Other states |   |                   | 229,772   |   |            |   | 4.5    |                 |   |   | 3,216      |   |   |    | 13.2   |   |       |   | 9,541 |   |   |   | 28.6 |   |   |   | 70 |   |
|         |   | $                      | 5,122,227 |   |            |   | 100.0  | %                    |   | $      | 24,420     |   |   |    | 100.0  | %      |       | $      | 33,299 |   |   |   | 100.0 | % |   |   | 74 | % |

----

|                                           |   | Special Mention        |   |   | Substandard |   |
|------------------------------------------------|--------|------------------------|--------|--------|-------------|--------|
|                                           |   | Number                 |   |   | Amount      |   |   | Number |   |   | Amount |   |
|                                           |   | (Dollars in thousands) |   |
| Real Estate Loans:                             |   |                   |   |   |        |   |   |   |   |   |   |   |
|   One- to four-family                |   |                   |   |   |        |   |   |   |   |   |   |   |
|       Originated |   |                   | 73     |   |        | $      | 12,225 |   |   |   | 142 |   |   | $ | 15,300 |   |
|       Purchased  |   |                   | 2      |   |        |   | 610 |   |   |   | 80 |   |   |   | 20,960 |   |
|    Multi-family and commercial  |   |                   | 1      |   |        |   | 8,131 |   |   |   | -- |   |   |   | -- |   |
|    Construction                 |   |                   | --     |   |        |   | -- |   |   |   | -- |   |   |   | -- |   |
|    Consumer Loans:              |   |                   |   |   |        |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity      |   |                   | 6      |   |        |   | 69 |   |   |   | 48 |   |   |   | 1,064 |   |
|      Other            |   |                   | --     |   |        |   | -- |   |   |   | 8 |   |   |   | 53 |   |
| Total loans                                    |   |                   | 82     |   |        |   | 21,035 |   |   |   | 278 |   |   |   | 37,377 |   |
|                                           |   |                   |   |   |        |   |   |   |   |   |   |   |   |   |   |   |
| REO                                            |   |                   |   |   |        |   |   |   |   |   |   |   |   |   |   |   |
|       Originated |   |                   | --     |   |        |   | -- |   |   |   | 59 |   |   |   | 5,450 |   |
|       Purchased  |   |                   | --     |   |        |   | -- |   |   |   | 8 |   |   |   | 1,411 |   |
| Total REO                                      |   |                   | --     |   |        |   | -- |   |   |   | 67 |   |   |   | 6,861 |   |
|                                           |   |                   |   |   |        |   |   |   |   |   |   |   |   |   |   |   |
| Trust preferred securities                     |   |                   | --     |   |        |   | -- |   |   |   | 1 |   |   |   | 3,064 |   |
|                                           |   |                   |   |   |        |   |   |   |   |   |   |   |   |   |   |   |
| Total classified assets                        |   |                   | 82     |   |        | $      | 21,035 |   |   |   | 346 |   |   | $ | 47,302 |   |

----

|                                                                                                                                          |   | For the Three Months Ended |   |   | For the Six Months Ended |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|--------|--------|--------------------------|--------|
|                                                                                                                                          |   | March 31,                  |   |   | December 31,             |   |   | March 31, |   |   | March 31, |   |
|                                                                                                                                          |   | 2010                       |   |   | 2009                     |   |   | 2009 |   |   | 2010 |   |   | 2009 |   |
|                                                                                                                                          |   | (Dollars in thousands)     |   |
| Balance at beginning of period                                                                                                                |   | $                          | 12,207 |   |                     | $      | 10,150 |   |   | $ | 6,137 |   |   | $ | 10,150 |   |   | $ | 5,791 |   |
| Charge-offs:                                                                                                                                  |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One- to four-family loans--originated                                                                                             |   |                       | 142    |   |                     |   | 39 |   |   |   | 12 |   |   |   | 181 |   |   |   | 22 |   |
|   One- to four-family loans--purchased                                                                                              |   |                       | 693    |   |                     |   | 856 |   |   |   | 766 |   |   |   | 1,549 |   |   |   | 948 |   |
|   Multi-family and commercial loans                 |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Construction                                                                                                                      |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Home equity                                                                                                                       |   |                       | --     |   |                     |   | 23 |   |   |   | -- |   |   |   | 23 |   |   |   | 13 |   |
|   Other consumer loans                                                                                                              |   |                       | 5      |   |                     |   | 5 |   |   |   | 2 |   |   |   | 10 |   |   |   | -- |   |
|       Total charge-offs                                                                                         |   |                       | 840    |   |                     |   | 923 |   |   |   | 780 |   |   |   | 1,763 |   |   |   | 983 |   |
| Recoveries                                                                                                                                    |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One- to four-family loans--originated                                                                                             |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   One- to four-family loans--purchased                                                                                              |   |                       | 172    |   |                     |   | -- |   |   |   | -- |   |   |   | 172 |   |   |   | -- |   |
|   Multi-family and commercial loans                                                                                                 |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Construction                                                                                                                      |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Home equity                                                                                                                       |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Other consumer loans                                                                                                              |   |                       | --     |   |                     |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|       Recoveries                                                                                                |   |                       | 172    |   |                     |   | -- |   |   |   | -- |   |   |   | 172 |   |   |   | -- |   |
| Net charge-offs                                                                                                                               |   |                       | 668    |   |                     |   | 923 |   |   |   | 780 |   |   |   | 1,591 |   |   |   | 983 |   |
| ALLL on loans in the loan swap transaction                                                                                                    |   |                       | --     |   |                     |   | (135 | ) |   |   | -- |   |   |   | (135 | ) |   |   | -- |   |
| Provision for loan losses                                                                                                                     |   |                       | 3,200  |   |                     |   | 3,115 |   |   |   | 2,107 |   |   |   | 6,315 |   |   |   | 2,656 |   |
| Balance at end of period                                                                                                                      |   | $                          | 14,739 |   |                     | $      | 12,207 |   |   | $ | 7,464 |   |   | $ | 14,739 |   |   | $ | 7,464 |   |
|                                                                                                                                          |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of net charge-offs during the period to                                                                                                 |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| average loans outstanding during the period                                                                                              |   |                       | 0.01   | %      |                     |   | 0.02 | % |   |   | 0.01 | % |   |   | 0.03 | % |   |   | 0.02 | % |
|                                                                                                                                          |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of net charge-offs during the period to                                                                                                 |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       average non-performing assets                                                                             |   |                       | 1.67   | %      |                     |   | 2.39 | % |   |   | 3.01 | % |   |   | 4.02 | % |   |   | 5.46 | % |
|                                                                                                                                          |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| ALLL to non-performing loans                                                                                                                  |   |                       | 43.30  | %      |                     |   | 37.59 | % |   |   | 33.36 | % |   |   |   |   |   |   |   |   |
|                                                                                                                                          |   |                       |   |   |                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| ALLL to loans receivable, net                                                                                                                 |   |                       | 0.27   | %      |                     |   | 0.23 | % |   |   | 0.14 | % |   |   |   |   |   |   |   |   |

----

|                        |   | At                     |   |   |          | At                 |   |
|-----------------------------|--------|------------------------|--------|--------|---------------|--------------------|--------|
|                        |   | March 31, 2010         |   |   |          | September 30, 2009 |   |
|                        |   | Amount of              |   |   | % of ALLL     |               |   | Total |   |   | % of Loans |   |   |   | Amount of |   |   | % of ALLL |   |   | Total |   |   | % of Loans |   |
|                        |   | ALLL                   |   |   | to Total ALLL |               |   | Loans |   |   | to Total Loans |   |   |   | ALLL |   |   | to Total ALLL |   |   | Loans |   |   | to Total Loans |   |
|                        |   | (Dollars in thousands) |   |
| One- to four-family:        |   |                   |   |   |          |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Originated      |   | $                      | 4,061  |   |          |               | 27.5   | % |   | $ | 4,470,202 |   |   |   | 82.4 |  % |   |   | $ | 3,604 |   |   |   | 35.5 | % |   | $ | 4,625,065 |   |   |   | 81.9 | % |
|   Purchased       |   |                   | 10,105 |   |          |               | 68.6   |   |   |   | 652,025 |   |   |   | 12.0 |   |   |   |   | 5,972 |   |   |   | 58.8 |   |   |   | 696,870 |   |   |   | 12.3 |   |
| Multi-family and commercial |   |                   | 291    |   |          |               | 2.0    |   |   |   | 70,447 |   |   |   | 1.3 |   |   |   |   | 227 |   |   |   | 2.2 |   |   |   | 80,493 |   |   |   | 1.4 |   |
| Construction                |   |                   | 10     |   |          |               | 0.1    |   |   |   | 34,297 |   |   |   | 0.6 |   |   |   |   | 22 |   |   |   | 0.2 |   |   |   | 39,535 |   |   |   | 0.7 |   |
| Home equity                 |   |                   | 207    |   |          |               | 1.4    |   |   |   | 189,959 |   |   |   | 3.5 |   |   |   |   | 268 |   |   |   | 2.7 |   |   |   | 195,557 |   |   |   | 3.5 |   |
| Other consumer              |   |                   | 65     |   |          |               | 0.4    |   |   |   | 8,528 |   |   |   | 0.2 |   |   |   |   | 57 |   |   |   | 0.6 |   |   |   | 9,430 |   |   |   | 0.2 |   |
|                        |   | $                      | 14,739 |   |          |               | 100.0  | % |   | $ | 5,425,458 |   |   |   | 100.0 | % |   |   | $ | 10,150 |   |   |   | 100.0 | % |   | $ | 5,646,950 |   |   |   | 100.0 | % |

----

|                                                                        |   | March 31, 2010         |      |   | September 30, 2009 |   |   | March 31, 2009 |   |
|-----------------------------------------------------------------------------|--------|------------------------|-----------|--------|--------------------|--------|--------|----------------|--------|
|                                                                        |   | Balance                |      |   | WAL                |   |   | Yield          |   |   | Balance |   |   | WAL |   |   | Yield |   |   | Balance |   |   | WAL |   |   | Yield |   |
|                                                                        |   | (Dollars in thousands) |      |
| Fixed-rate securities:                                                      |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                                                                         |   | $                      | 858,308   |   |               |   | 3.09   |           |   |   | 4.80 | % |   | $ | 976,895 |   |   |   | 3.37 |   |   |   | 4.81 | % |   | $ | 1,105,095 |   |   |   | 4.03 |   |   |   | 4.84 | % |
| GSE debentures                                                              |   |                   | 894,985   |   |               |   | 0.99   |           |   |   | 1.67 |   |   |   | 404,137 |   |   |   | 0.86 |   |   |   | 1.74 |   |   |   | 152,067 |   |   |   | 0.75 |   |   |   | 1.68 |   |
| Municipal bonds                                                             |   |                   | 71,807    |   |               |   | 3.36   |           |   |   | 2.99 |   |   |   | 73,194 |   |   |   | 3.53 |   |   |   | 3.01 |   |   |   | 60,537 |   |   |   | 4.27 |   |   |   | 3.31 |   |
|    Total fixed-rate securities                               |   |                   | 1,825,100 |   |               |   | 2.07   |           |   |   | 3.20 |   |   |   | 1,454,226 |   |   |   | 2.68 |   |   |   | 3.87 |   |   |   | 1,317,699 |   |   |   | 3.66 |   |   |   | 4.41 |   |
|                                                                        |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustable-rate securities:                                                 |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                                                                         |   |                   | 849,431   |   |               |   | 5.08   |           |   |   | 3.61 |   |   |   | 960,718 |   |   |   | 6.00 |   |   |   | 4.02 |   |   |   | 1,057,683 |   |   |   | 7.15 |   |   |   | 4.60 |   |
| Trust preferred securities                                                  |   |                   | 3,748     |   |               |   | 27.23  |           |   |   | 1.92 |   |   |   | 3,774 |   |   |   | 27.73 |   |   |   | 1.96 |   |   |   | 3,812 |   |   |   | 28.23 |   |   |   | 2.98 |   |
|    Total adjustable-rate securities                          |   |                   | 853,179   |   |               |   | 5.20   |           |   |   | 3.60 |   |   |   | 964,492 |   |   |   | 6.11 |   |   |   | 4.01 |   |   |   | 1,061,495 |   |   |   | 7.25 |   |   |   | 4.59 |   |
|      Total investment portfolio, at amortized cost |   | $                      | 2,678,279 |   |               |   | 3.07   |           |   |   | 3.33 | % |   | $ | 2,418,718 |   |   |   | 4.05 |   |   |   | 3.92 | % |   | $ | 2,379,194 |   |   |   | 5.26 |   |   |   | 4.49 | % |

----

|                             |   | March 31, 2010         |      |   | September 30, 2009 |   |   | March 31, 2009 |   |
|----------------------------------|--------|------------------------|-----------|--------|--------------------|--------|--------|----------------|--------|
|                             |   | Carrying               |      |   | % of               |   |   | Fair           |   |   | Carrying |   |   | % of |   |   | Fair |   |   | Carrying |   |   | % of |   |   | Fair |   |
|                             |   | Value                  |      |   | Total              |   |   | Value          |   |   | Value |   |   | Total |   |   | Value |   |   | Value |   |   | Total |   |   | Value |   |
|                             |   | (Dollars in thousands) |      |
| AFS securities:                  |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                              |   | $                      | 1,212,991 |   |               |   | 89.6   | %              |   | $ | 1,212,991 |   |   | $ | 1,389,211 |   |   |   | 85.5 | % |   | $ | 1,389,211 |   |   | $ | 1,531,916 |   |   |   | 90.7 | % |   | $ | 1,531,916 |   |
| GSE debentures                   |   |                   | 136,094   |   |               |   | 10.0   |           |   |   | 136,094 |   |   |   | 229,875 |   |   |   | 14.2 |   |   |   | 229,875 |   |   |   | 151,989 |   |   |   | 9.0 |   |   |   | 151,989 |   |
| Municipal bonds                  |   |                   | 2,735     |   |               |   | 0.2    |           |   |   | 2,735 |   |   |   | 2,799 |   |   |   | 0.2 |   |   |   | 2,799 |   |   |   | 2,739 |   |   |   | 0.2 |   |   |   | 2,739 |   |
| Trust preferred securities       |   |                   | 3,064     |   |               |   | 0.2    |           |   |   | 3,064 |   |   |   | 2,110 |   |   |   | 0.1 |   |   |   | 2,110 |   |   |   | 1,822 |   |   |   | 0.1 |   |   |   | 1,822 |   |
|   Total AFS securities |   |                   | 1,354,884 |   |               |   | 100.0  |           |   |   | 1,354,884 |   |   |   | 1,623,995 |   |   |   | 100.0 |   |   |   | 1,623,995 |   |   |   | 1,688,466 |   |   |   | 100.0 |   |   |   | 1,688,466 |   |
|                             |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| HTM securities:                  |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                              |   |                   | 544,319   |   |               |   | 39.7   |           |   |   | 566,397 |   |   |   | 603,256 |   |   |   | 71.0 |   |   |   | 627,829 |   |   |   | 672,453 |   |   |   | 92.1 |   |   |   | 689,454 |   |
| GSE debentures                   |   |                   | 759,389   |   |               |   | 55.3   |           |   |   | 760,380 |   |   |   | 175,394 |   |   |   | 20.7 |   |   |   | 175,929 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
| Municipal bonds                  |   |                   | 69,149    |   |               |   | 5.0    |           |   |   | 70,732 |   |   |   | 70,526 |   |   |   | 8.3 |   |   |   | 73,000 |   |   |   | 57,860 |   |   |   | 7.9 |   |   |   | 58,889 |   |
|   Total HTM securities |   |                   | 1,372,857 |   |               |   | 100.0  |           |   |   | 1,397,509 |   |   |   | 849,176 |   |   |   | 100.0 |   |   |   | 876,758 |   |   |   | 730,313 |   |   |   | 100.0 |   |   |   | 748,343 |   |
|                             |   |                   |      |   |               |   |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                             |   | $                      | 2,727,741 |   |               |   |   |           |   | $ | 2,752,393 |   |   | $ | 2,473,171 |   |   |   |   |   |   | $ | 2,500,753 |   |   | $ | 2,418,779 |   |   |   |   |   |   | $ | 2,436,809 |   |

----

|                             |   | 1 year or less         |   |   | More than 1 to 5 years |   |   | More than 5 to 10 years |   |   | Over 10 years |   |   | Total Securities |   |
|----------------------------------|--------|------------------------|--------|--------|------------------------|--------|--------|-------------------------|--------|--------|---------------|--------|--------|------------------|--------|
|                             |   |                   |   |   | Weighted               |   |   |                    |   |   | Weighted      |   |   |             |   |   | Weighted |   |   |   |   |   | Weighted |   |   |   |   |   | Weighted |   |   |   |   |
|                             |   | Carrying               |   |   | Average                |   |   | Carrying                |   |   | Average       |   |   | Carrying         |   |   | Average |   |   | Carrying |   |   | Average |   |   | Carrying |   |   | Average |   |   | Fair |   |
|                             |   | Value                  |   |   | Yield                  |   |   | Value                   |   |   | Yield         |   |   | Value            |   |   | Yield |   |   | Value |   |   | Yield |   |   | Value |   |   | Yield |   |   | Value |   |
|                             |   | (Dollars in thousands) |   |
| AFS securities:                  |   |                   |   |   |                   |   |   |                    |   |   |          |   |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                              |   | $                      | --     |   |                   |   | --     | %                       |   | $      | --            |   |   |             | --     | % |   | $ | 140,687 |   |   |   | 4.97 | % |   | $ | 1,072,304 |   |   |   | 4.29 | % |   | $ | 1,212,991 |   |   |   | 4.37 | % |   | $ | 1,212,991 |   |
| GSE debentures                   |   |                   | 25,750 |   |                   |   | 1.57   |                    |   |   | 110,344       |   |   |             | 1.60   |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 136,094 |   |   |   | 1.59 |   |   |   | 136,094 |   |
| Municipal bonds                  |   |                   | --     |   |                   |   | --     |                    |   |   | 587           |   |   |             | 3.58   |   |   |   | 914 |   |   |   | 3.72 |   |   |   | 1,234 |   |   |   | 3.90 |   |   |   | 2,735 |   |   |   | 3.77 |   |   |   | 2,735 |   |
| Trust preferred securities       |   |                   | --     |   |                   |   | --     |                    |   |   | --            |   |   |             | --     |   |   |   | -- |   |   |   | -- |   |   |   | 3,064 |   |   |   | 1.92 |   |   |   | 3,064 |   |   |   | 1.92 |   |   |   | 3,064 |   |
|   Total AFS securities |   |                   | 25,750 |   |                   |   | 1.57   |                    |   |   | 110,931       |   |   |             | 1.61   |   |   |   | 141,601 |   |   |   | 4.96 |   |   |   | 1,076,602 |   |   |   | 4.28 |   |   |   | 1,354,884 |   |   |   | 4.08 |   |   |   | 1,354,884 |   |
|                             |   |                   |   |   |                   |   |   |                    |   |   |          |   |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| HTM Securities:                  |   |                   |   |   |                   |   |   |                    |   |   |          |   |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| MBS                              |   |                   | --     |   |                   |   | --     |                    |   |   | --            |   |   |             | --     |   |   |   | 299,920 |   |   |   | 4.40 |   |   |   | 244,399 |   |   |   | 3.23 |   |   |   | 544,319 |   |   |   | 3.87 |   |   |   | 566,397 |   |
| GSE debentures                   |   |                   | --     |   |                   |   | --     |                    |   |   | 759,389       |   |   |             | 1.68   |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 759,389 |   |   |   | 1.68 |   |   |   | 760,380 |   |
| Municipal bonds                  |   |                   | 1,676  |   |                   |   | 3.07   |                    |   |   | 20,452        |   |   |             | 2.52   |   |   |   | 34,240 |   |   |   | 3.23 |   |   |   | 12,781 |   |   |   | 2.94 |   |   |   | 69,149 |   |   |   | 2.96 |   |   |   | 70,732 |   |
|   Total HTM securities |   |                   | 1,676  |   |                   |   | 3.07   |                    |   |   | 779,841       |   |   |             | 1.70   |   |   |   | 334,160 |   |   |   | 4.28 |   |   |   | 257,180 |   |   |   | 3.22 |   |   |   | 1,372,857 |   |   |   | 2.61 |   |   |   | 1,397,509 |   |
|                             |   |                   |   |   |                   |   |   |                    |   |   |          |   |   |             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                             |   | $                      | 27,426 |   |                   |   | 1.66   | %                       |   | $      | 890,772       |   |   |             | 1.69   | % |   | $ | 475,761 |   |   |   | 4.48 | % |   | $ | 1,333,782 |   |   |   | 4.08 | % |   | $ | 2,727,741 |   |   |   | 3.34 | % |   | $ | 2,752,393 |   |

----

|                                                       |   | For the Three Months Ended |      |
|------------------------------------------------------------|--------|----------------------------|-----------|
|                                                       |   | March 31, 2010             |      |   | December 31, 2009 |   |   | September 30, 2009 |   |   | June 30, 2009 |   |
|                                                       |   | Amount                     |      |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |
|                                                       |   | (Dollars in thousands)     |      |
| Beginning balance                                          |   | $                          | 1,877,969 |   |   |   | 4.34 | % |   |   | 5.09 |   |   | $ | 1,992,467 |   |   |   | 4.42 | % |   |   | 4.67 |   |   | $ | 2,100,998 |   |   |   | 4.59 | % |   |   | 4.55 |   |   | $ | 2,204,369 |   |   |   | 4.72 | % |   |   | 5.55 |   |
| Maturities and repayments                                  |   |                       | (121,635  | ) |   |   |   |   |   |   |   |   |   |   | (112,380 | ) |   |   |   |   |   |   |   |   |   |   | (142,182 | ) |   |   |   |   |   |   |   |   |   |   | (155,168 | ) |   |   |   |   |   |   |   |   |
| Sale of securities, net of gains                           |   |                       | --        |   |   |   |   |   |   |   |   |   |   |   | (192,690 | ) |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |
| Net amortization of premiums/(discounts)                   |   |                       | (499      | ) |   |   |   |   |   |   |   |   |   |   | (392 | ) |   |   |   |   |   |   |   |   |   |   | (366 | ) |   |   |   |   |   |   |   |   |   |   | (189 | ) |   |   |   |   |   |   |   |   |
| Purchases:                                                 |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                                          |   |                       | 2,042     |   |   |   | 4.18 |   |   |   | 7.08 |   |   |   | 2,990 |   |   |   | 4.10 |   |   |   | 7.48 |   |   |   | 18,539 |   |   |   | 2.80 |   |   |   | 3.03 |   |   |   | 3,217 |   |   |   | 4.34 |   |   |   | 8.49 |   |
|   Adjustable                                     |   |                       | --        |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 50,983 |   |   |   | 2.83 |   |   |   | 3.58 |   |
| Fair value of securities received in loan swap transaction |   |                       | --        |   |   |   |   |   |   |   |   |   |   |   | 192,690 |   |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |
| Change in valuation on AFS securities                      |   |                       | (567      | ) |   |   |   |   |   |   |   |   |   |   | (4,716 | ) |   |   |   |   |   |   |   |   |   |   | 15,478 |   |   |   |   |   |   |   |   |   |   |   | (2,214 | ) |   |   |   |   |   |   |   |   |
| Ending balance                                             |   | $                          | 1,757,310 |   |   |   | 4.21 | % |   |   | 4.07 |   |   | $ | 1,877,969 |   |   |   | 4.34 | % |   |   | 5.09 |   |   | $ | 1,992,467 |   |   |   | 4.42 | % |   |   | 4.67 |   |   | $ | 2,100,998 |   |   |   | 4.59 | % |   |   | 4.55 |   |
|                                                       |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                       |   | For the Six Months Ended   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                       |   | March 31, 2010             |      |   | March 31, 2009 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                       |   | Amount                     |      |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                       |   | (Dollars in thousands)     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                                          |   | $                          | 1,992,467 |   |   |   | 4.42 | % |   |   | 4.67 |   |   | $ | 2,234,339 |   |   |   | 4.82 | % |   |   | 5.05 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Maturities and repayments                                  |   |                       | (234,015  | ) |   |   |   |   |   |   |   |   |   |   | (197,582 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Sale of securities, net of gains                           |   |                       | (192,690  | ) |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net amortization of premiums/(discounts)                   |   |                       | (891      | ) |   |   |   |   |   |   |   |   |   |   | 73 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Purchases:                                                 |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                                          |   |                       | 5,032     |   |   |   | 4.13 |   |   |   | 7.32 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Adjustable                                     |   |                       | --        |   |   |   | -- |   |   |   | -- |   |   |   | 118,469 |   |   |   | 2.68 |   |   |   | 1.90 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fair value of securities received in loan swap transaction |   |                       | 192,690   |   |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Change in valuation on AFS securities                      |   |                       | (5,283    | ) |   |   |   |   |   |   |   |   |   |   | 49,070 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ending balance                                             |   | $                          | 1,757,310 |   |   |   | 4.21 | % |   |   | 4.07 |   |   | $ | 2,204,369 |   |   |   | 4.72 | % |   |   | 5.55 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                   |   | For the Three Months Ended |     |
|----------------------------------------|--------|----------------------------|----------|
|                                   |   | March 31, 2010             |     |   | December 31, 2009 |   |   | September 30, 2009 |   |   | June 30, 2009 |   |
|                                   |   | Amount                     |     |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |
|                                   |   | (Dollars in thousands)     |     |
| Beginning balance                      |   | $                          | 651,943  |   |   |   | 2.05 | % |   |   | 1.65 |   |   | $ | 480,704 |   |   |   | 1.93 | % |   |   | 1.53 |   |   | $ | 322,166 |   |   |   | 1.84 | % |   |   | 2.02 |   |   | $ | 214,410 |   |   |   | 2.16 | % |   |   | 2.32 |   |
| Maturities and calls                   |   |                       | (119,103 | ) |   |   |   |   |   |   |   |   |   |   | (1,033 | ) |   |   |   |   |   |   |   |   |   |   | (25,128 | ) |   |   |   |   |   |   |   |   |   |   | (25,036 | ) |   |   |   |   |   |   |   |   |
| Net amortization of premiums/discounts |   |                       | (1,053   | ) |   |   |   |   |   |   |   |   |   |   | (1,061 | ) |   |   |   |   |   |   |   |   |   |   | (901 | ) |   |   |   |   |   |   |   |   |   |   | (685 | ) |   |   |   |   |   |   |   |   |
| Purchases:                             |   |                       |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                      |   |                       | 438,254  |   |   |   | 1.36 |   |   |   | 1.02 |   |   |   | 173,431 |   |   |   | 2.39 |   |   |   | 1.25 |   |   |   | 183,391 |   |   |   | 1.95 |   |   |   | 2.17 |   |   |   | 133,047 |   |   |   | 1.41 |   |   |   | 1.10 |   |
|   Adjustable                 |   |                       | --       |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
| Change in valuation of AFS securities  |   |                       | 390      |   |   |   |   |   |   |   |   |   |   |   | (98 | ) |   |   |   |   |   |   |   |   |   |   | 1,176 |   |   |   |   |   |   |   |   |   |   |   | 430 |   |   |   |   |   |   |   |   |   |
| Ending balance                         |   | $                          | 970,431  |   |   |   | 1.76 | % |   |   | 1.29 |   |   | $ | 651,943 |   |   |   | 2.05 | % |   |   | 1.65 |   |   | $ | 480,704 |   |   |   | 1.93 | % |   |   | 1.53 |   |   | $ | 322,166 |   |   |   | 1.84 | % |   |   | 2.02 |   |
|                                   |   |                       |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                   |   | For the Six Months Ended   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                   |   | March 31, 2010             |     |   | March 31, 2009 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                   |   | Amount                     |     |   | Yield |   |   | WAL |   |   | Amount |   |   | Yield |   |   | WAL |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                   |   | (Dollars in thousands)     |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                      |   | $                          | 480,704  |   |   |   | 1.93 | % |   |   | 1.53 |   |   | $ | 142,359 |   |   |   | 3.94 | % |   |   | 6.06 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Maturities and calls                   |   |                       | (120,136 | ) |   |   |   |   |   |   |   |   |   |   | (59,596 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net amortization of premiums/discounts |   |                       | (2,114   | ) |   |   |   |   |   |   |   |   |   |   | (576 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Purchases:                             |   |                       |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Fixed                      |   |                       | 611,685  |   |   |   | 1.65 |   |   |   | 1.09 |   |   |   | 132,115 |   |   |   | 1.64 |   |   |   | 1.05 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Adjustable                 |   |                       | --       |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Change in valuation of AFS securities  |   |                       | 292      |   |   |   |   |   |   |   |   |   |   |   | 108 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ending balance                         |   | $                          | 970,431  |   |   |   | 1.76 | % |   |   | 1.29 |   |   | $ | 214,410 |   |   |   | 2.16 | % |   |   | 2.32 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|           |   | At                     |      | At                |    | At                 |   | At            |
|----------------|--------|------------------------|-----------|-------------------|---------|--------------------|--------|---------------|
|           |   | March 31, 2010         |      | December 31, 2009 |    | September 30, 2009 |   | June 30, 2009 |
|           |   |                   |      |              | Average |               | % of   |          |   |   |   | Average |   | % of |   |   |   |   | Average |   | % of |   |   |   |   | Average |   | % of |
|           |   | Amount                 |      |              | Rate    |               | Total  |          | Amount |   |   | Rate |   | Total |   | Amount |   |   | Rate |   | Total |   | Amount |   |   | Rate |   | Total |
|           |   | (Dollars in thousands) |
| Checking       |   | $                      | 493,929   |              |    |               | 0.13   | %             |   |   | 11.4 | % |   | $ | 491,619 |   |   |   | 0.13 | % |   |   | 11.7 | % |   | $ | 439,975 |   |   |   | 0.17 | % |   |   | 10.4 | % |   | $ | 446,431 |   |   |   | 0.21 | % |   |   | 10.7 | % |
| Savings        |   |                   | 239,651   |              |    |               | 0.54   |          |   |   | 5.6 |   |   |   | 225,383 |   |   |   | 0.56 |   |   |   | 5.3 |   |   |   | 226,396 |   |   |   | 0.66 |   |   |   | 5.4 |   |   |   | 230,161 |   |   |   | 0.72 |   |   |   | 5.5 |   |
| Money market   |   |                   | 934,071   |              |    |               | 0.72   |          |   |   | 21.6 |   |   |   | 888,131 |   |   |   | 0.73 |   |   |   | 21.0 |   |   |   | 848,157 |   |   |   | 0.82 |   |   |   | 20.1 |   |   |   | 841,522 |   |   |   | 0.88 |   |   |   | 20.2 |   |
| Certificates   |   |                   | 2,651,415 |              |    |               | 2.66   |          |   |   | 61.4 |   |   |   | 2,622,119 |   |   |   | 2.83 |   |   |   | 62.0 |   |   |   | 2,714,081 |   |   |   | 3.09 |   |   |   | 64.1 |   |   |   | 2,657,137 |   |   |   | 3.30 |   |   |   | 63.6 |   |
| Total deposits |   | $                      | 4,319,066 |              |    |               | 1.83   | %             |   |   | 100.0 | % |   | $ | 4,227,252 |   |   |   | 1.95 | % |   |   | 100.0 | % |   | $ | 4,228,609 |   |   |   | 2.20 | % |   |   | 100.0 | % |   | $ | 4,175,251 |   |   |   | 2.34 | % |   |   | 100.0 | % |

----

|                       |              |   | Amount Due             |   |      |      |   |
|----------------------------|-------------------|--------|------------------------|--------|-----------|-----------|--------|
|                       |              |   |                   |   |      | More than |   |   | More than |   |   |   |   |   |   |   |
|                       |              |   | 1 year                 |   |      | 1 year to |   |   | 2 to 3 |   |   | More than |   |   |   |   |
|                       |              |   | or less                |   |      | 2 years   |   |   | years |   |   | 3 years |   |   | Total |   |
|                       |              |   | (Dollars in thousands) |   |
|                       |              |   |                   |   |      |      |   |   |   |   |   |   |   |   |   |   |
|                       | 0.00 – 0.99 | %      |                   | $      | 143,414   |      |   | $ | 39 |   |   | $ | 40 |   |   | $ | -- |   |   | $ | 143,493 |   |
|                       | 1.00 – 1.99 | %      |                   |   | 518,837   |      |   |   | 181,360 |   |   |   | 12,170 |   |   |   | -- |   |   |   | 712,367 |   |
|                       | 2.00 – 2.99 | %      |                   |   | 404,990   |      |   |   | 172,205 |   |   |   | 83,761 |   |   |   | 120,975 |   |   |   | 781,931 |   |
|                       | 3.00 – 3.99 | %      |                   |   | 151,695   |      |   |   | 277,788 |   |   |   | 125,006 |   |   |   | 61,130 |   |   |   | 615,619 |   |
|                       | 4.00 – 4.99 | %      |                   |   | 158,115   |      |   |   | 78,472 |   |   |   | 17,741 |   |   |   | 1,159 |   |   |   | 255,487 |   |
|                       | 5.00 – 5.99 | %      |                   |   | 141,236   |      |   |   | 446 |   |   |   | -- |   |   |   | -- |   |   |   | 141,682 |   |
|                       | 6.00 – 6.99 | %      |                   |   | 836       |      |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 836 |   |
|                       |              |   |                   | $      | 1,519,123 |      |   | $ | 710,310 |   |   | $ | 238,718 |   |   | $ | 183,264 |   |   | $ | 2,651,415 |   |
|                       |              |   |                   |   |      |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average maturity: |              |   |                   |   |      |      |   |   |   |   |   |   |   |   | 1.12 years |   |

|                                        |   | Maturity               |    |
|---------------------------------------------|--------|------------------------|---------|
|                                        |   |                   |    |   | Over |   |   | Over |   |   |   |   |   |   |   |
|                                        |   | 3 months               |    |   | 3 to 6 |   |   | 6 to 12 |   |   | Over |   |   |   |   |
|                                        |   | or less                |    |   | months |   |   | months |   |   | 12 months |   |   | Total |   |
|                                        |   | (Dollars in thousands) |    |
|                                        |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |
| Certificates of deposit less than $100,000  |   | $                      | 302,055 |   |   | $ | 278,901 |   |   | $ | 460,825 |   |   | $ | 839,283 |   |   | $ | 1,881,064 |   |
| Certificates of deposit of $100,000 or more |   |                   | 165,163 |   |   |   | 126,800 |   |   |   | 185,379 |   |   |   | 293,009 |   |   |   | 770,351 |   |
| Total certificates of deposit               |   | $                      | 467,218 |   |   | $ | 405,701 |   |   | $ | 646,204 |   |   | $ | 1,132,292 |   |   | $ | 2,651,415 |   |

----

|        |   |                   |      |   |       |   |    | Weighted    |   |   | Weighted  |   |
|-------------|--------|------------------------|-----------|--------|------------|--------|---------|-------------|--------|--------|-----------|--------|
|        |   | FHLB                   |      |   | Repurchase |   |    | Average     |   |   | Average   |   |
| Maturity by |   | Advances               |      |   | Agreements |   |    | Contractual |   |   | Effective |   |
| Fiscal year |   | Amount                 |      |   | Amount     |   |    | Rate        |   |   | Rate (1)  |   |
|        |   | (Dollars in thousands) |      |   |       |   |    |        |   |
| 2010        |   | $                      | 350,000   |   |       | $      | 45,000  |        |   |   | 4.33      | %      |   |   | 4.33 | % |
| 2011        |   |                   | 276,000   |   |       |   | 200,000 |        |   |   | 4.42      |   |   |   | 4.42 |   |
| 2012        |   |                   | 350,000   |   |       |   | 150,000 |        |   |   | 3.67      |   |   |   | 3.67 |   |
| 2013        |   |                   | 525,000   |   |       |   | 145,000 |        |   |   | 3.74      |   |   |   | 4.00 |   |
| 2014        |   |                   | 450,000   |   |       |   | 100,000 |        |   |   | 3.33      |   |   |   | 3.96 |   |
| 2015        |   |                   | 200,000   |   |       |   | 20,000  |        |   |   | 3.50      |   |   |   | 4.16 |   |
| 2016        |   |                   | 275,000   |   |       |   | --      |        |   |   | 3.86      |   |   |   | 4.39 |   |
|        |   | $                      | 2,426,000 |   |       | $      | 660,000 |        |   |   | 3.83      | %      |   |   | 4.09 | % |

|               |   |                   |    |   | Weighted    |   |
|--------------------|--------|------------------------|---------|--------|-------------|--------|
|               |   |                   |    |   | Average     |   |
| Maturity by        |   |                   |    |   | Contractual |   |
| Quarter End        |   | Amount                 |    |   | Rate        |   |
|               |   | (Dollars in thousands) |    |
| June 30, 2010      |   | $                      | 100,000 |   |        |   | 3.94 | % |
| September 30, 2010 |   |                   | 295,000 |   |        |   | 4.46 |   |
| December 31, 2010  |   |                   | 300,000 |   |        |   | 4.55 |   |
| March 31, 2011     |   |                   | 25,000  |   |        |   | 2.94 |   |
|               |   | $                      | 720,000 |   |        |   | 4.37 | % |

----

|                                                                   |   | At or for the Six Months Ended |    |   | At or for the Year Ended |   |
|------------------------------------------------------------------------|--------|--------------------------------|---------|--------|--------------------------|--------|
|                                                                   |   | March 31,                      |    |   | September 30,            |   |
|                                                                   |   | 2010                           |    |   | 2009                     |   |   | 2009 |   |   | 2008 |   |
|                                                                   |   | (Dollars in thousands)         |    |
| FHLB Advances:                                                         |   |                           |    |   |                     |   |   |   |   |   |   |   |
| Balance at period end                                                  |   | $                              | 550,000 |   |                     | $      | 320,000 |   |   | $ | 350,000 |   |   | $ | 620,000 |   |
| Maximum balance outstanding                                            |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|       at any month-end during the period |   |                           | 550,000 |   |                     |   | 795,000 |   |   |   | 795,000 |   |   |   | 925,000 |   |
| Average balance                                                        |   |                           | 500,000 |   |                     |   | 528,333 |   |   |   | 396,250 |   |   |   | 742,500 |   |
| Weighted average contracutal                                           |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|      interest rate during the period          |   |                           | 4.53    | %      |                     |   | 4.52 | % |   |   | 4.54 | % |   |   | 4.31 | % |
| Weighted average contractual                                           |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|      interest rate at end of period           |   |                           | 4.57    | %      |                     |   | 4.37 | % |   |   | 4.49 | % |   |   | 4.27 | % |
|                                                                   |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Repurchase Agreements:                                                 |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
| Balance at end of period                                               |   | $                              | 170,000 |   |                     | $      | -- |   |   | $ | 45,000 |   |   | $ | -- |   |
| Maximum balance outstanding                                            |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|       at any month-end during the period |   |                           | 170,000 |   |                     |   | -- |   |   |   | 45,000 |   |   |   | -- |   |
| Average balance                                                        |   |                           | 115,833 |   |                     |   | -- |   |   |   | 11,250 |   |   |   | -- |   |
| Weighted average contracutal                                           |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|      interest rate during the period          |   |                           | 3.73    | %      |                     |   | -- |   |   |   | 3.05 | % |   |   | -- |   |
| Weighted average contractual                                           |   |                           |    |   |                     |   |   |   |   |   |   |   |   |   |   |   |
|      interest rate at end of period           |   |                           | 3.73    | %      |                     |   | -- |   |   |   | 3.05 | % |   |   | -- |   |

----

|                                                  |   |   |        |
|-------------------------------------------------------|--------|--------|-------------|
|                                                  |   |   |        |
| Total voting shares outstanding at September 30, 2009 |   |   | 74,099,355  |   |
| Treasury stock acquisitions                           |   |   | (130,368    | ) |
| RRP grants                                            |   |   | 5,000       |   |
| Options exercised                                     |   |   | 9,091       |   |
| Total voting shares outstanding at March 31, 2010     |   |   | 73,983,078  |   |
| Unvested shares in ESOP                               |   |   | (806,556    | ) |
| Shares held by MHC                                    |   |   | (52,192,817 | ) |
| Total public shares at March 31, 2010                 |   |   | 20,983,705  |   |

----

|                                      |   | Calendar Year                                    |         |
|-------------------------------------------|--------|--------------------------------------------------|--------------|
|                                      |   | 2010                                             |         |   | 2009 |   |   | 2008 |   |
|                                      |   | (Dollars in thousands, except per share amounts) |         |
| Quarter ended March 31                    |   |                                             |         |   |   |   |   |   |   |
| Number of dividend shares                 |   |                                             | 21,478,305   |   |   |   | 20,874,269 |   |   |   | 20,660,510 |   |
| Dividend per share                        |   | $                                                | 0.50         |   |   | $ | 0.50 |   |   | $ | 0.50 |   |
| Total dividends paid                      |   | $                                                | 10,739       |   |   | $ | 10,437 |   |   | $ | 10,330 |   |
| Quarter ended June 30                     |   |                                             |         |   |   |   |   |   |   |   |   |   |
| Number of dividend shares                 |   |                                             | 20,991,105   |   |   |   | 20,892,544 |   |   |   | 20,661,660 |   |
| Dividend per share                        |   | $                                                | 0.50         |   |   | $ | 0.50 |   |   | $ | 0.50 |   |
| Total dividends paid                      |   | $                                                |  10,496 |   |   | $ | 10,446 |   |   | $ | 10,331 |   |
| Quarter ended September 30                |   |                                             |         |   |   |   |   |   |   |   |   |   |
| Number of dividend shares                 |   |                                             |         |   |   |   | 20,897,844 |   |   |   | 20,668,519 |   |
| Dividend per share                        |   |                                             |         |   |   | $ | 0.50 |   |   | $ | 0.50 |   |
| Total dividends paid                      |   |                                             |         |   |   | $ | 10,448 |   |   | $ | 10,334 |   |
| Quarter ended December 31                 |   |                                             |         |   |   |   |   |   |   |   |   |   |
| Number of dividend shares                 |   |                                             |         |   |   |   | 21,099,982 |   |   |   | 20,881,157 |   |
| Dividend per share                        |   |                                             |         |   |   | $ | 0.50 |   |   | $ | 0.50 |   |
| Total dividends paid                      |   |                                             |         |   |   | $ | 10,550 |   |   | $ | 10,441 |   |
| Special year end dividend                 |   |                                             |         |   |   |   |   |   |   |   |   |   |
| Number of dividend shares                 |   |                                             |         |   |   |   | 21,099,982 |   |   |   | 20,881,157 |   |
| Dividend per share                        |   |                                             |         |   |   | $ | 0.29 |   |   | $ | 0.11 |   |
| Total dividends paid                      |   |                                             |         |   |   | $ | 6,119 |   |   | $ | 2,297 |   |
|                                      |   |                                             |         |   |   |   |   |   |   |   |   |   |
| Calendar year-to-date dividends per share |   | $                                                | 1.00         |   |   | $ | 2.29 |   |   | $ | 2.11 |   |

----

|                                                                 |   | For the Three Months Ended                       |   |
|----------------------------------------------------------------------|--------|--------------------------------------------------|--------|
|                                                                 |   | March 31,                                        |   |   | December 31, |   |   | September 30, |   |   | June 30, |   |   | March 31, |   |
|                                                                 |   | 2010                                             |   |   | 2009 |   |   | 2009 |   |   | 2009 |   |   | 2009 |   |
|                                                                 |   | (Dollars in thousands, except per share amounts) |   |
| Interest and dividend income:                                        |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Loans receivable                                         |   | $                                                | 70,315 |   |   | $ | 74,526 |   |   | $ | 74,875 |   |   | $ | 76,745 |   |   | $ | 77,446 |   |
|   MBS                                                      |   |                                             | 18,627 |   |   |   | 20,754 |   |   |   | 22,225 |   |   |   | 24,211 |   |   |   | 25,088 |   |
|   Investment securities                                    |   |                                             | 3,726  |   |   |   | 2,559 |   |   |   | 1,973 |   |   |   | 1,279 |   |   |   | 955 |   |
|   Other interest and dividend income                       |   |                                             | 1,039  |   |   |   | 1,048 |   |   |   | 1,027 |   |   |   | 843 |   |   |   | 846 |   |
|     Total interest and dividend income           |   |                                             | 93,707 |   |   |   | 98,887 |   |   |   | 100,100 |   |   |   | 103,078 |   |   |   | 104,335 |   |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense:                                                    |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   FHLB advances                                            |   |                                             | 24,299 |   |   |   | 24,819 |   |   |   | 25,046 |   |   |   | 25,307 |   |   |   | 26,653 |   |
|   Deposits                                                 |   |                                             | 19,776 |   |   |   | 22,105 |   |   |   | 24,270 |   |   |   | 24,705 |   |   |   | 24,711 |   |
|   Other borrowings                                         |   |                                             | 6,949  |   |   |   | 7,109 |   |   |   | 7,144 |   |   |   | 7,144 |   |   |   | 7,109 |   |
|      Total interest expense                 |   |                                             | 51,024 |   |   |   | 54,033 |   |   |   | 56,460 |   |   |   | 57,156 |   |   |   | 58,473 |   |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Provision for loan losses                                            |   |                                             | 3,200  |   |   |   | 3,115 |   |   |   | 623 |   |   |   | 3,112 |   |   |   | 2,107 |   |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest and dividend income                                     |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      (after provision for loan losses) |   |                                             | 39,483 |   |   |   | 41,739 |   |   |   | 43,017 |   |   |   | 42,810 |   |   |   | 43,755 |   |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other income                                                         |   |                                             | 6,536  |   |   |   | 13,131 |   |   |   | 6,745 |   |   |   | 8,232 |   |   |   | 6,936 |   |
| Other expenses                                                       |   |                                             | 23,100 |   |   |   | 22,749 |   |   |   | 22,989 |   |   |   | 26,411 |   |   |   | 21,995 |   |
| Income tax expense                                                   |   |                                             | 8,264  |   |   |   | 11,141 |   |   |   | 9,935 |   |   |   | 9,155 |   |   |   | 10,564 |   |
|      Net income                             |   | $                                                | 14,655 |   |   | $ | 20,980 |   |   | $ | 16,838 |   |   | $ | 15,476 |   |   | $ | 18,132 |   |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Efficiency ratio                                                     |   |                                             | 46.93  | % |   |   | 39.23 | % |   |   | 45.63 | % |   |   | 48.77 | % |   |   | 41.66 | % |
|                                                                 |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic EPS                                                            |   | $                                                | 0.20   |   |   | $ | 0.29 |   |   | $ | 0.23 |   |   | $ | 0.21 |   |   | $ | 0.25 |   |
| Diluted EPS                                                          |   |                                             | 0.20   |   |   |   | 0.29 |   |   |   | 0.23 |   |   |   | 0.21 |   |   |   | 0.25 |   |
| Dividends declared per public share                                  |   |                                             | 0.50   |   |   |   | 0.79 |   |   |   | 0.50 |   |   |   | 0.50 |   |   |   | 0.50 |   |

----

----

----

|                                                       |   | At                      |   | For the Six Months Ended                                                               |   |
|------------------------------------------------------------|--------|-------------------------|--------|----------------------------------------------------------------------------------------|--------|
|                                                       |   | March 31, 2010          |   | March 31, 2010                                                                         |   | March 31, 2009 |   |
|                                                       |   |                    |   | Average                                                                                |   | Interest |   |   |   | Average |   | Interest |   |   |   |
|                                                       |   | Yield/                  |   | Outstanding                                                                            |   | Earned/ |   | Yield/ |   | Outstanding |   | Earned/ |   | Yield/ |   |
|                                                       |   | Rate                    |   | Balance                                                                                |   | Paid |   | Rate |   | Balance |   | Paid |   | Rate |   |
| Assets:                                                    |   |                    |   | (Dollars in thousands)                                                                 |   |
|   Interest-earning assets:                       |   |                    |   |                                                                                   |   |   |   |   |   |   |   |   |   |   |   |
|      Loans receivable (1)         |   |    5.31% |   |  $         5,479,475                 |   |  $      144,841 |   | 5.29 | % |  $      5,452,000 |   |  $         154,162 |   | 5.66 | % |
|      MBS (2)                      |   | 4.21                    |   | 1,829,990                                                                              |   | 39,381 |   | 4.30 |   | 2,161,451 |   | 51,490 |   | 4.76 |   |
|      Investment securities (2)(3) |   | 1.76                    |   | 645,267                                                                                |   | 6,285 |   | 1.95 |   | 131,171 |   | 2,281 |   | 3.48 |   |
|      Capital stock of FHLB        |   | 2.98                    |   | 133,570                                                                                |   | 1,986 |   | 2.98 |   | 127,735 |   | 1,558 |   | 2.45 |   |
|      Cash and cash equivalents    |   | 0.22                    |   | 86,297                                                                                 |   | 101 |   | 0.23 |   | 72,342 |   | 117 |   | 0.32 |   |
|   Total interest-earning assets (1) (2)          |   | 4.60                    |   | 8,174,599                                                                              |   | 192,594 |   | 4.71 |   | 7,944,699 |   | 209,608 |   | 5.28 |   |
|   Other noninterest-earning assets               |   |                    |   | 230,111                                                                                |   |   |   |   |   | 176,721 |   |   |   |   |   |
| Total assets                                               |   |                    |   |  $         8,404,710                 |   |   |   |   |   |  $      8,121,420 |   |   |   |   |   |
|                                                       |   |                    |   |                                                                                   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and stockholders' equity:                      |   |                    |   |                                                                                   |   |   |   |   |   |   |   |   |   |   |   |
|   Interest-bearing liabilities:                  |   |                    |   |                                                                                   |   |   |   |   |   |   |   |   |   |   |   |
|     Savings                            |   |    0.54% |   |  $            228,352 |   |  $             678 |   | 0.60 | % |  $         228,497 |   |  $             1,032 |   | 0.91 | % |
|     Checking                           |   | 0.13                    |   | 457,439                                                                                |   | 319 |   | 0.14 |   | 414,352 |   | 425 |   | 0.21 |   |
|     Money market                       |   | 0.72                    |   | 886,205                                                                                |   | 3,336 |   | 0.75 |   | 787,634 |   | 4,691 |   | 1.19 |   |
|     Certificates                       |   | 2.66                    |   | 2,652,159                                                                              |   | 37,548 |   | 2.84 |   | 2,501,123 |   | 45,348 |   | 3.64 |   |
|       Total deposits         |   | 1.83                    |   | 4,224,155                                                                              |   | 41,881 |   | 1.99 |   | 3,931,606 |   | 51,496 |   | 2.63 |   |
|     FHLB advances (4)                  |   | 4.13                    |   | 2,393,945                                                                              |   | 49,118 |   | 4.11 |   | 2,465,087 |   | 56,198 |   | 4.56 |   |
|     Repurchase agreements              |   | 3.97                    |   | 660,000                                                                                |   | 13,238 |   | 3.97 |   | 660,000 |   | 13,238 |   | 3.97 |   |
|     Other borrowings                   |   | 3.00                    |   | 53,609                                                                                 |   | 820 |   | 3.03 |   | 53,593 |   | 1,596 |   | 5.89 |   |
|      Total borrowings             |   | 4.08                    |   | 3,107,554                                                                              |   | 63,176 |   | 4.06 |   | 3,178,680 |   | 71,032 |   | 4.46 |   |
|   Total interest-bearing liabilities             |   | 2.77                    |   | 7,331,709                                                                              |   | 105,057 |   | 2.87 |   | 7,110,286 |   | 122,528 |   | 3.45 |   |
|   Other noninterest-bearing liabilities          |   |                    |   | 121,166                                                                                |   |   |   |   |   | 118,373 |   |   |   |   |   |
|   Stockholders' equity                           |   |                    |   | 951,835                                                                                |   |   |   |   |   | 892,761 |   |   |   |   |   |
| Total liabilities and stockholders' equity                 |   |                    |   |  $         8,404,710                 |   |   |   |   |   |  $      8,121,420 |   |   |   |   |   |

----

|                                                                |   |   |   |                                                                                   |   |   |   |   |   |                                                                 |   |   |   |   |   |
|---------------------------------------------------------------------|--------|--------|--------|----------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|----------------------------------------------------------------------|--------|--------|--------|--------|--------|
| Net interest rate spread(5)                                         |   | 1.83%  |   |                                                                                   |   |   |   | 1.84   | %      |                                                                 |   |   |   | 1.83   | %      |
| Net interest-earning assets                                         |   |   |   |  $            842,890 |   |   |   |   |   |  $         834,413 |   |   |   |   |   |
| Net interest margin(6)                                              |   |   |   |                                                                                   |   |   |   | 2.14   |   |                                                                 |   |   |   | 2.19   |   |
| Ratio of interest-earning assets                                    |   |   |   |                                                                                   |   |   |   |   |   |                                                                 |   |   |   |   |   |
|       to interest-bearing liabilities |   |   |   |                                                                                   |   |   |   | 1.11   |   |                                                                 |   |   |   | 1.12   |   |
|                                                                |   |   |   |                                                                                   |   |   |   |   |   |                                                                 |   |   |   |   |   |
| Selected Performance Ratios:                                        |   |   |   |                                                                                   |   |   |   |   |   |                                                                 |   |   |   |   |   |
|   Return on average assets (annualized)                   |   |   |   |                                                                                   |   |   |   | 0.85   | %      |                                                                 |   |   |   | 0.84   | %      |
|   Return on average equity (annualized)                   |   |   |   |                                                                                   |   |   |   | 7.49   |   |                                                                 |   |   |   | 7.61   |   |
|   Average equity to average assets                        |   |   |   |                                                                                   |   |   |   | 11.33  |   |                                                                 |   |   |   | 10.99  |   |

----

|                                           |   | For the Six Months Ended          |   |
|------------------------------------------------|--------|-----------------------------------|--------|
|                                           |   | March 31, 2010 vs. March 31, 2009 |   |
|                                           |   | Increase (Decrease) Due to        |   |
|                                           |   |                              |   |   |   |   |   |   |   |
|                                           |   | Volume                            |   |   | Rate |   |   | Total |   |
|                                           |   | (Dollars in thousands)            |   |
| Interest-earning assets:                       |   |                              |   |   |   |   |   |   |   |
| Loans receivable                               |   | $                                 | 757    |   |   | $ | (10,078 | ) |   | $ | (9,321 | ) |
| MBS                                            |   |                              | (7,428 | ) |   |   | (4,681 | ) |   |   | (12,109 | ) |
| Investment securities                          |   |                              | 5,404  |   |   |   | (1,400 | ) |   |   | 4,004 |   |
| Capital stock of FHLB                          |   |                              | 75     |   |   |   | 354 |   |   |   | 429 |   |
| Cash and cash equivalents                      |   |                              | 20     |   |   |   | (37 | ) |   |   | (17 | ) |
| Total interest-earning assets                  |   | $                                 | (1,172 | ) |   | $ | (15,842 | ) |   | $ | (17,014 | ) |
|                                           |   |                              |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                  |   |                              |   |   |   |   |   |   |   |   |   |   |
| Savings                                        |   | $                                 | (1     | ) |   | $ | (351 | ) |   | $ | (352 | ) |
| Checking                                       |   |                              | 42     |   |   |   | (156 | ) |   |   | (114 | ) |
| Money market                                   |   |                              | 535    |   |   |   | (1,887 | ) |   |   | (1,352 | ) |
| Certificates                                   |   |                              | 2,632  |   |   |   | (10,429 | ) |   |   | (7,797 | ) |
| FHLB advances                                  |   |                              | (831   | ) |   |   | (6,249 | ) |   |   | (7,080 | ) |
| Other borrowings                               |   |                              | --     |   |   |   | (776 | ) |   |   | (776 | ) |
| Total interest-bearing liabilities             |   | $                                 | 2,377  |   |   | $ | (19,848 | ) |   | $ | (17,471 | ) |
|                                           |   |                              |   |   |   |   |   |   |   |   |   |   |
| Net change in net interest and dividend income |   | $                                 | (3,549 | ) |   | $ | 4,006 |   |   | $ | 457 |   |

----

----

|                                                       |   | For the Three Months Ended                                                                    |   |
|------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------|--------|
|                                                       |   | March 31, 2010                                                                                     |   | March 31, 2009 |   |
|                                                       |   | Average                                                                                            |   | Interest |   |   |   | Average |   | Interest |   |   |   |
|                                                       |   | Outstanding                                                                                        |   | Earned/ |   | Yield/ |   | Outstanding |   | Earned/ |   | Yield/ |   |
|                                                       |   | Balance                                                                                            |   | Paid |   | Rate |   | Balance |   | Paid |   | Rate |   |
| Assets:                                                    |   | (Dollars in thousands)                                                                             |   |
|   Interest-earning assets:                       |   |                                                                                               |   |   |   |   |   |   |   |   |   |   |   |
|      Loans receivable (1)         |   |  $           5,406,480                 |   |  $            70,315 |   | 5.21 | % |  $      5,485,551 |   |  $           77,446 |   | 5.65 | % |
|      MBS (2)                      |   | 1,770,456                                                                                          |   | 18,627 |   | 4.21 |   | 2,120,481 |   | 25,088 |   | 4.73 |   |
|      Investment securities (2)(3) |   | 768,355                                                                                            |   | 3,726 |   | 1.94 |   | 125,932 |   | 955 |   | 3.03 |   |
|      Capital stock of FHLB        |   | 134,075                                                                                            |   | 985 |   | 2.98 |   | 130,574 |   | 778 |   | 2.42 |   |
|      Cash and cash equivalents    |   | 92,335                                                                                             |   | 54 |   | 0.23 |   | 103,768 |   | 68 |   | 0.26 |   |
|   Total interest-earning assets                  |   | 8,171,701                                                                                          |   | 93,707 |   | 4.59 |   | 7,966,306 |   | 104,335 |   | 5.24 |   |
|   Other noninterest-earning assets               |   | 235,009                                                                                            |   |   |   |   |   | 201,462 |   |   |   |   |   |
| Total assets                                               |   |  $           8,406,710                 |   |   |   |   |   |  $      8,167,768 |   |   |   |   |   |
|                                                       |   |                                                                                               |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and stockholders' equity:                      |   |                                                                                               |   |   |   |   |   |   |   |   |   |   |   |
|   Interest-bearing liabilities:                  |   |                                                                                               |   |   |   |   |   |   |   |   |   |   |   |
|     Savings                            |   |  $              230,922 |   |  $                 317 |   | 0.55 | % |  $         227,431 |   |  $                414 |   | 0.74 | % |
|     Checking                           |   | 468,054                                                                                            |   | 143 |   | 0.12 |   | 423,107 |   | 214 |   | 0.20 |   |
|     Money market                       |   | 905,599                                                                                            |   | 1,596 |   | 0.71 |   | 800,155 |   | 2,137 |   | 1.08 |   |
|     Certificates                       |   | 2,636,843                                                                                          |   | 17,720 |   | 2.73 |   | 2,529,090 |   | 21,946 |   | 3.52 |   |
|       Total deposits         |   | 4,241,418                                                                                          |   | 19,776 |   | 1.89 |   | 3,979,783 |   | 24,711 |   | 2.52 |   |
|     FHLB advances (4)                  |   | 2,394,774                                                                                          |   | 24,299 |   | 4.11 |   | 2,451,927 |   | 26,653 |   | 4.40 |   |
|     Repurchase agreements              |   | 660,000                                                                                            |   | 6,546 |   | 3.97 |   | 660,000 |   | 6,546 |   | 3.97 |   |
|     Other borrowings                   |   | 53,609                                                                                             |   | 403 |   | 3.00 |   | 53,600 |   | 563 |   | 4.20 |   |
|      Total borrowings             |   | 3,108,383                                                                                          |   | 31,248 |   | 4.06 |   | 3,165,527 |   | 33,762 |   | 4.31 |   |
|   Total interest-bearing liabilities             |   | 7,349,801                                                                                          |   | 51,024 |   | 2.81 |   | 7,145,310 |   | 58,473 |   | 3.31 |   |
|   Other noninterest-bearing liabilities          |   | 104,923                                                                                            |   |   |   |   |   | 114,699 |   |   |   |   |   |
|   Stockholders' equity                           |   | 951,986                                                                                            |   |   |   |   |   | 907,759 |   |   |   |   |   |
| Total liabilities and stockholders' equity            |   |  $           8,406,710                 |   |   |   |   |   |  $      8,167,768 |   |   |   |   |   |

----

|                                                                |   |                                                                                               |   |   |   |   |   |                                                                 |   |   |   |   |   |
|---------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|----------------------------------------------------------------------|--------|--------|--------|--------|--------|
| Net interest rate spread(5)                                         |   |                                                                                               |   |   |   | 1.78   | %      |                                                                 |   |   |   | 1.93   | %      |
| Net interest-earning assets                                         |   |  $              821,900 |   |   |   |   |   |  $         820,996 |   |   |   |   |   |
| Net interest margin(6)                                              |   |                                                                                               |   |   |   | 2.09   |   |                                                                 |   |   |   | 2.30   |   |
| Ratio of interest-earning assets                                    |   |                                                                                               |   |   |   |   |   |                                                                 |   |   |   |   |   |
|       to interest-bearing liabilities |   |                                                                                               |   |   |   | 1.11   |   |                                                                 |   |   |   | 1.11   |   |
|                                                                |   |                                                                                               |   |   |   |   |   |                                                                 |   |   |   |   |   |
| Selected performance ratios:                                        |   |                                                                                               |   |   |   |   |   |                                                                 |   |   |   |   |   |
|   Return on average assets (annualized)                   |   |                                                                                               |   |   |   | 0.70   | %      |                                                                 |   |   |   | 0.89   | %      |
|   Return on average equity (annualized)                   |   |                                                                                               |   |   |   | 6.16   |   |                                                                 |   |   |   | 7.99   |   |
|   Average equity to average assets                        |   |                                                                                               |   |   |   | 11.32  |   |                                                                 |   |   |   | 11.11  |   |

----

|                                           |   | Quarter Ended March 31,    |   |
|------------------------------------------------|--------|----------------------------|--------|
|                                           |   | 2010 vs. 2009              |   |
|                                           |   | Increase (Decrease) Due to |   |
|                                           |   |                       |   |   |   |   |   |   |   |
|                                           |   | Volume                     |   |   | Rate |   |   | Total |   |
|                                           |   | (Dollars in thousands)     |   |
| Interest-earning assets:                       |   |                       |   |   |   |   |   |   |   |
| Loans receivable                               |   | $                          | (1,101 | ) |   | $ | (6,030 | ) |   | $ | (7,131 | ) |
| MBS                                            |   |                       | (3,878 | ) |   |   | (2,583 | ) |   |   | (6,461 | ) |
| Investment securities                          |   |                       | 3,229  |   |   |   | (458 | ) |   |   | 2,771 |   |
| Capital stock of FHLB                          |   |                       | 21     |   |   |   | 187 |   |   |   | 208 |   |
| Cash equivalents                               |   |                       | (7     | ) |   |   | (8 | ) |   |   | (15 | ) |
| Total interest-earning assets                  |   | $                          | (1,736 | ) |   | $ | (8,892 | ) |   | $ | (10,628 | ) |
|                                           |   |                       |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                  |   |                       |   |   |   |   |   |   |   |   |   |   |
| Savings                                        |   | $                          | 6      |   |   | $ | (109 | ) |   | $ | (103 | ) |
| Checking                                       |   |                       | 21     |   |   |   | (91 | ) |   |   | (70 | ) |
| Money market                                   |   |                       | 259    |   |   |   | (806 | ) |   |   | (547 | ) |
| Certificates                                   |   |                       | 921    |   |   |   | (5,136 | ) |   |   | (4,215 | ) |
| FHLB advances                                  |   |                       | (306   | ) |   |   | (2,048 | ) |   |   | (2,354 | ) |
| Other borrowings                               |   |                       | --     |   |   |   | (160 | ) |   |   | (160 | ) |
| Total interest-bearing liabilities             |   | $                          | 901    |   |   | $ | (8,350 | ) |   | $ | (7,449 | ) |
|                                           |   |                       |   |   |   |   |   |   |   |   |   |   |
| Net change in net interest and dividend income |   | $                          | (2,637 | ) |   | $ | (542 | ) |   | $ | (3,179 | ) |

----

----

|                                                                |   | For the Three Months Ended |      |
|---------------------------------------------------------------------|--------|----------------------------|-----------|
|                                                                |   | March 31, 2010             |      |   | December 31, 2009 |   |
|                                                                |   | Average                    |      |   | Interest |   |   |   |   |   | Average |   |   | Interest |   |   |   |   |
|                                                                |   | Outstanding                |      |   | Earned/ |   |   | Yield/ |   |   | Outstanding |   |   | Earned/ |   |   | Yield/ |   |
|                                                                |   | Balance                    |      |   | Paid |   |   | Rate |   |   | Balance |   |   | Paid |   |   | Rate |   |
| Assets:                                                             |   | (Dollars in thousands)     |      |
|   Interest-earning assets:                                |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Loans receivable (1)                  |   | $                          | 5,406,480 |   |   | $ | 70,315 |   |   |   | 5.21 | % |   | $ | 5,550,883 |   |   | $ | 74,526 |   |   |   | 5.37 | % |
|      MBS (2)                               |   |                       | 1,770,456 |   |   |   | 18,627 |   |   |   | 4.21 |   |   |   | 1,888,230 |   |   |   | 20,754 |   |   |   | 4.40 |   |
|      Investment securities (2)(3)          |   |                       | 768,355   |   |   |   | 3,726 |   |   |   | 1.94 |   |   |   | 524,854 |   |   |   | 2,559 |   |   |   | 1.95 |   |
|      Capital stock of FHLB                 |   |                       | 134,075   |   |   |   | 985 |   |   |   | 2.98 |   |   |   | 133,075 |   |   |   | 1,001 |   |   |   | 2.98 |   |
|      Cash and cash equivalents             |   |                       | 92,335    |   |   |   | 54 |   |   |   | 0.23 |   |   |   | 80,391 |   |   |   | 47 |   |   |   | 0.23 |   |
|   Total interest-earning assets                           |   |                       | 8,171,701 |   |   |   | 93,707 |   |   |   | 4.59 |   |   |   | 8,177,433 |   |   |   | 98,887 |   |   |   | 4.84 |   |
|   Other noninterest-earning assets                        |   |                       | 235,009   |   |   |   |   |   |   |   |   |   |   |   | 225,321 |   |   |   |   |   |   |   |   |   |
| Total assets                                                        |   | $                          | 8,406,710 |   |   |   |   |   |   |   |   |   |   | $ | 8,402,754 |   |   |   |   |   |   |   |   |   |
|                                                                |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities and stockholders' equity:                               |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Interest-bearing liabilities:                           |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Savings                                     |   | $                          | 230,922   |   |   | $ | 317 |   |   |   | 0.55 | % |   | $ | 225,837 |   |   | $ | 361 |   |   |   | 0.63 |  % |
|     Checking                                    |   |                       | 468,054   |   |   |   | 143 |   |   |   | 0.12 |   |   |   | 447,055 |   |   |   | 176 |   |   |   | 0.16 |   |
|     Money market                                |   |                       | 905,599   |   |   |   | 1,596 |   |   |   | 0.71 |   |   |   | 867,233 |   |   |   | 1,740 |   |   |   | 0.80 |   |
|     Certificates                                |   |                       | 2,636,843 |   |   |   | 17,720 |   |   |   | 2.73 |   |   |   | 2,667,141 |   |   |   | 19,828 |   |   |   | 2.95 |   |
|       Total deposits                  |   |                       | 4,241,418 |   |   |   | 19,776 |   |   |   | 1.89 |   |   |   | 4,207,266 |   |   |   | 22,105 |   |   |   | 2.09 |   |
|     FHLB advances (4)                           |   |                       | 2,394,774 |   |   |   | 24,299 |   |   |   | 4.11 |   |   |   | 2,393,134 |   |   |   | 24,819 |   |   |   | 4.11 |   |
|     Repurchase agreements                       |   |                       | 660,000   |   |   |   | 6,546 |   |   |   | 3.97 |   |   |   | 660,000 |   |   |   | 6,691 |   |   |   | 3.97 |   |
|     Other borrowings                            |   |                       | 53,609    |   |   |   | 403 |   |   |   | 3.00 |   |   |   | 53,609 |   |   |   | 418 |   |   |   | 3.05 |   |
|      Total borrowings                      |   |                       | 3,108,383 |   |   |   | 31,248 |   |   |   | 4.06 |   |   |   | 3,106,743 |   |   |   | 31,928 |   |   |   | 4.06 |   |
|   Total interest-bearing liabilities                      |   |                       | 7,349,801 |   |   |   | 51,024 |   |   |   | 2.81 |   |   |   | 7,314,009 |   |   |   | 54,033 |   |   |   | 2.93 |   |
|   Other noninterest-bearing liabilities                   |   |                       | 104,923   |   |   |   |   |   |   |   |   |   |   |   | 137,057 |   |   |   |   |   |   |   |   |   |
|   Stockholders' equity                                    |   |                       | 951,986   |   |   |   |   |   |   |   |   |   |   |   | 951,688 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders' equity                     |   | $                          | 8,406,710 |   |   |   |   |   |   |   |   |   |   | $ | 8,402,754 |   |   |   |   |   |   |   |   |   |
|                                                                |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest rate spread(5)                                         |   |                       |      |   |   |   |   |   |   |   | 1.78 | % |   |   |   |   |   |   |   |   |   |   | 1.91 | % |
| Net interest-earning assets                                         |   | $                          | 821,900   |   |   |   |   |   |   |   |   |   |   | $ | 863,424 |   |   |   |   |   |   |   |   |   |
| Net interest margin(6)                                              |   |                       |      |   |   |   |   |   |   |   | 2.09 |   |   |   |   |   |   |   |   |   |   |   | 2.19 | % |
| Ratio of interest-earning assets                                    |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       to interest-bearing liabilities |   |                       |      |   |   |   |   |   |   |   | 1.11 |   |   |   |   |   |   |   |   |   |   |   | 1.12 |   |
|                                                                |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Selected performance ratios:                                        |   |                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Return on average assets (annualized)                   |   |                       |      |   |   |   |   |   |   |   | 0.70 | % |   |   |   |   |   |   |   |   |   |   | 1.00 | % |
|   Return on average equity (annualized)                   |   |                       |      |   |   |   |   |   |   |   | 6.16 |   |   |   |   |   |   |   |   |   |   |   | 8.82 | % |
|   Average equity to average assets                        |   |                       |      |   |   |   |   |   |   |   | 11.32 |   |   |   |   |   |   |   |   |   |   |   | 11.33 | % |

----

|                                           |   | Quarter Ended                        |   |
|------------------------------------------------|--------|--------------------------------------|--------|
|                                           |   | March 31, 2010 vs. December 31, 2009 |   |
|                                           |   | Increase (Decrease) Due to           |   |
|                                           |   |                                 |   |   |   |   |   |   |   |
|                                           |   | Volume                               |   |   | Rate |   |   | Total |   |
|                                           |   | (Dollars in thousands)               |   |
| Interest-earning assets:                       |   |                                 |   |   |   |   |   |   |   |
| Loans receivable                               |   | $                                    | (1,933 | ) |   | $ | (2,278 | ) |   | $ | (4,211 | ) |
| MBS                                            |   |                                 | (1,257 | ) |   |   | (870 | ) |   |   | (2,127 | ) |
| Investment securities                          |   |                                 | 1,180  |   |   |   | (13 | ) |   |   | 1,167 |   |
| Capital stock of FHLB                          |   |                                 | (15    | ) |   |   | -- |   |   |   | (15 | ) |
| Cash and cash equivalents                      |   |                                 | 6      |   |   |   | -- |   |   |   | 6 |   |
| Total interest-earning assets                  |   | $                                    | (2,019 | ) |   | $ | (3,161 | ) |   | $ | (5,180 | ) |
|                                           |   |                                 |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                  |   |                                 |   |   |   |   |   |   |   |   |   |   |
| Savings                                        |   | $                                    | 6      |   |   | $ | (54 | ) |   | $ | (48 | ) |
| Checking                                       |   |                                 | 7      |   |   |   | (54 | ) |   |   | (47 | ) |
| Money market                                   |   |                                 | 66     |   |   |   | (223 | ) |   |   | (157 | ) |
| Certificates                                   |   |                                 | (275   | ) |   |   | (1,802 | ) |   |   | (2,077 | ) |
| FHLB advances                                  |   |                                 | --     |   |   |   | (520 | ) |   |   | (520 | ) |
| Other borrowings                               |   |                                 | --     |   |   |   | (160 | ) |   |   | (160 | ) |
| Total interest-bearing liabilities             |   | $                                    | (196   | ) |   | $ | (2,813 | ) |   | $ | (3,009 | ) |
|                                           |   |                                 |   |   |   |   |   |   |   |   |   |   |
| Net change in net interest and dividend income |   | $                                    | (1,823 | ) |   | $ | (348 | ) |   | $ | (2,171 | ) |

----

----

----

| ·   | the origination, purchase, or sale of loans, |
|--------------------|----------------------------------------------|

| ·   | the purchase or sale of investment securities and MBS, |
|--------------------|--------------------------------------------------------|

| ·   | extensions of credit on home equity loans and construction loans, |
|--------------------|-------------------------------------------------------------------|

| ·   | terms and conditions of operating leases, and |
|--------------------|-----------------------------------------------|

| ·   | funding withdrawals of deposit accounts. |
|--------------------|------------------------------------------|

|                                            |   | Maturity Range         |      |
|-------------------------------------------------|--------|------------------------|-----------|
|                                            |   |                   |      |   | Less than |   |   |   | 1 - 3     |   |   |   | 3 - 5    |   |   | More than |   |
|                                            |   | Total                  |      |   | 1 year |   |   | years |   |   | years |   |   | 5 years |   |
|                                            |   | (Dollars in thousands) |      |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Operating Leases                                |   | $                      | 12,501    |   |   | $ | 1,128 |   |   | $ | 1,788 |   |   | $ | 1,504 |   |   | $ | 8,081 |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Certificates of Deposit                         |   |                   | 2,651,415 |   |   |   | 1,519,123 |   |   |   | 949,028 |   |   |   | 181,914 |   |   |   | 1,350 |   |
|     Weighted average rate   |   |                   | 2.66      | % |   |   | 2.47 | % |   |   | 2.91 | % |   |   | 2.97 | % |   |   | 3.42 | % |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| FHLB Advances                                   |   |                   | 2,426,000 |   |   |   | 550,000 |   |   |   | 526,000 |   |   |   | 975,000 |   |   |   | 375,000 |   |
|     Weighted average rate   |   |                   | 3.79      |   |   |   | 4.57 |   |   |   | 3.58 |   |   |   | 3.54 |   |   |   | 3.59 |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Repurchase Agreements                           |   |                   | 660,000   |   |   |   | 170,000 |   |   |   | 275,000 |   |   |   | 195,000 |   |   |   | 20,000 |   |
|     Weighted average rate   |   |                   | 3.97      |   |   |   | 3.73 |   |   |   | 3.99 |   |   |   | 4.10 |   |   |   | 4.45 |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Debentures                                      |   |                   | 53,609    |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 53,609 |   |
|     Weighted average rate   |   |                   | 3.00      |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 3.00 |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commitments to originate and                    |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    purchase first mortgage loans |   |                   | 108,812   |   |   |   | 108,812 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|     Weighted average rate   |   |                   | 4.94      |   |   |   | 4.94 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commitments to fund unused home                 |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    equity lines of credit        |   |                   | 272,454   |   |   |   | 272,454 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|     Weighted average rate   |   |                   | 4.48      |   |   |   | 4.48 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|                                            |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unadvanced portion of                           |   |                   |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    construction loans            |   |                   | 18,995    |   |   |   | 18,995 |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|     Weighted average rate   |   |                   | 5.11      |   |   |   | 5.11 |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                             |   |   |   |   | Regulatory                |   |
|----------------------------------|--------|--------|--------|--------|---------------------------|--------|
|                             |   |   |   |   | Requirement               |   |
|                             |   | Bank   |   |   | For “Well-          |   |
|                             |   | Ratios |   |   | Capitalized” Status |   |
| Tangible equity                  |   |   | 10.0   | %      |                      |   | N/A |   |
| Tier 1 (core) capital            |   |   | 10.0   | %      |                      |   | 5.0 | % |
| Tier 1 (core) risk-based capital |   |   | 23.6   | %      |                      |   | 6.0 | % |
| Total risk-based capital         |   |   | 23.9   | %      |                      |   | 10.0 | % |

| Total equity as reported under GAAP       |   | $      | 873,053 |   |
|------------------------------------------------|--------|--------|---------|--------|
|   Unrealized gains on AFS securities |   |   | (30,765 | )      |
|   Other                              |   |   | (427    | )      |
| Total tangible and core capital                |   |   | 841,861 |   |
|   ALLL (1)                           |   |   | 10,204  |   |
| Total risk based capital                       |   | $      | 852,065 |   |

----

|                  | Percentage Change in Net Interest Income |
|-----------------------|------------------------------------------|
| Change                |                                     |   |   |   |   |
| (in Basis Points)     |                                     | At |
| in Interest Rates (1) |                                     | March 31, 2010 | December 31, 2009 |   | September 30, 2009 |
|                  |                                     |   |   |   |   |
|  -200 bp         |                                     | N/A | N/A |   | N/A |
|  -100 bp         |                                     | N/A | N/A |   | N/A |
|   000 bp    |                                     | -- | -- |   | -- |
| +100 bp               |                                     | -0.78% | -0.65% |   |  0.84% |
| +200 bp               |                                     | -4.24% | -2.95% |   | -0.54% |
| +300 bp               |                                     | -8.43% | -6.22% |   | -2.41% |

| (1)   | Assumes an instantaneous, permanent and parallel change in interest rates at all maturities. |
|-----------------|----------------------------------------------------------------------------------------------|

----

|                  | Percentage Change in MVPE |
|-----------------------|---------------------------|
| Change                |                      |   |   |   |   |
| (in Basis Points)     |                      | At |
| in Interest Rates (1) |                      | March 31, 2010 | December 31, 2009 |   | September 30, 2009 |
|                  |                      |   |   |   |   |
|  -200 bp         |                      | N/A | N/A |   | N/A |
| -100 bp               |                      | N/A | N/A |   | N/A |
|   000 bp    |                      | -- | -- |   | -- |
| +100 bp               |                      | -7.78% | -5.66% |   |   -4.92% |
| +200 bp               |                      | -20.92% | -16.55% |   | -18.11% |
| +300 bp               |                      | -36.31% | -30.26% |   | -34.32% |

|  (1) | Assumes an instantaneous, permanent and parallel change in interest rates at all maturities. |
|-----------|----------------------------------------------------------------------------------------------|

----

----

|                                                                           |   | Within                 |    |   | Three to |   |      | More Than   |   |   | More Than     |          |   |       |      |          |   |   |
|--------------------------------------------------------------------------------|--------|------------------------|---------|--------|----------|--------|-----------|-------------|--------|--------|---------------|---------------|--------|------------|-----------|---------------|--------|--------|
|                                                                           |   | Three                  |    |   | Twelve   |   |      | One Year to |   |   | Three Years   |          |   | Over       |      |          |   |   |
|                                                                           |   | Months                 |    |   | Months   |   |      | Three Yeas  |   |   | to Five Years |          |   | Five Years |      |          | Total  |   |
| Interest-earning assets:                                                       |   | (Dollars in thousands) |    |
| Loans receivable (1):                                                          |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |
| Mortgage loans:                                                                |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |
| Fixed                                                                          |   | $                      | 219,701 |   |     | $      | 500,274   |        |   | $      | 870,963       |          |   | $          | 596,422   |          |   | $      | 1,990,234 |   |   | $ | 4,177,594 |   |
| Adjustable                                                                     |   |                   | 106,457 |   |     |   | 548,618   |        |   |   | 262,394       |          |   |       | 71,427    |          |   |   | 16,310 |   |   |   | 1,005,206 |   |
| Other loans                                                                    |   |                   | 135,353 |   |     |   | 15,572    |        |   |   | 21,378        |          |   |       | 14,273    |          |   |   | 11,173 |   |   |   | 197,749 |   |
| Investment securities (2)                                                      |   |                   | 140,354 |   |     |   | 377,243   |        |   |   | 117,123       |          |   |       | 309,457   |          |   |   | 26,363 |   |   |   | 970,540 |   |
| MBS (3)                                                                        |   |                   | 311,507 |   |     |   | 510,090   |        |   |   | 389,196       |          |   |       | 205,735   |          |   |   | 291,211 |   |   |   | 1,707,739 |   |
| Other interest-earning assets                                                  |   |                   | 40,444  |   |     |   | --        |        |   |   | --            |          |   |       | --        |          |   |   | -- |   |   |   | 40,444 |   |
| Total interest-earning assets                                                  |   |                   | 953,816 |   |     |   | 1,951,797 |        |   |   | 1,661,054     |          |   |       | 1,197,314 |          |   |   | 2,335,291 |   |   |   | 8,099,272 |   |
|                                                                           |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                  |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Deposits:                                                                      |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Savings (4)                                                                    |   |                   | 96,317  |   |     |   | 9,552     |        |   |   | 22,024        |          |   |       | 17,082    |          |   |   | 94,676 |   |   |   | 239,651 |   |
| Checking (4)                                                                   |   |                   | 11,504  |   |     |   | 41,694    |        |   |   | 118,721       |          |   |       | 66,121    |          |   |   | 255,889 |   |   |   | 493,929 |   |
| Money market (4)                                                               |   |                   | 41,293  |   |     |   | 113,834   |        |   |   | 261,894       |          |   |       | 144,122   |          |   |   | 372,928 |   |   |   | 934,071 |   |
| Certificates                                                                   |   |                   | 488,878 |   |     |   | 1,035,519 |        |   |   | 944,186       |          |   |       | 181,721   |          |   |   | 1,111 |   |   |   | 2,651,415 |   |
| Borrowings (5)                                                                 |   |                   | 153,610 |   |     |   | 620,000   |        |   |   | 801,000       |          |   |       | 1,170,000 |          |   |   | 395,000 |   |   |   | 3,139,610 |   |
| Total interest-bearing liabilities                                             |   |                   | 791,602 |   |     |   | 1,820,599 |        |   |   | 2,147,825     |          |   |       | 1,579,046 |          |   |   | 1,119,604 |   |   |   | 7,458,676 |   |
|                                                                           |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Excess (deficiency) of interest-earning assets over                            |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
|   interest-bearing liabilities                                       |   | $                      | 162,214 |   |     | $      | 131,198   |        |   | $      | (486,771      | )             |   | $          | (381,732  | )             |   | $      | 1,215,687 |   |   | $ | 640,596 |   |
|                                                                           |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Cumulative excess (deficiency) of interest-earning                             |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
|   assets over interest-bearing liabilities                           |   | $                      | 162,214 |   |     | $      | 293,412   |        |   | $      | (193,359      | )             |   | $          | (575,091  | )             |   | $      | 640,596 |   |   |   |   |   |
|                                                                           |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
| Cumulative excess (deficiency) of interest-earning                             |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
|   assets over interest-bearing liabilities as a                      |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
|    percent of total assets at                                   |   |                   |    |   |     |   |      |        |   |   |          |          |   |       |      |          |   |   |   |   |   |   |   |   |
|           March 31, 2010     |   |                   | 1.91    | %      |     |   | 3.46      | %           |   |   | (2.28         | )%            |   |       | (6.78     | )%            |   |   | 7.55 | % |   |   |   |   |
|           December 31, 2009  |   |                   | 1.91    |   |     |   | 1.75      |        |   |   | (3.27         | )   |   |       | (7.18     | )   |   |   | 7.26 |   |   |   |   |   |
|           September 30, 2009 |   |                   | 0.81    |   |     |   | 6.78      |        |   |   | 4.60          |          |   |       | (2.48     | )   |   |   | 8.11 |   |   |   |   |   |

----

----

----

----

----

----

|                                | Total     |                                                   | Total Number of     | Additional Number | Maximum Number                                                                                                                                                                              |
|-------------------------------------|-----------|--------------------------------------------------------|---------------------|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                | Number of | Average                                                | Shares Purchased as | of Shares Allowed | of Shares that May                                                                                                                                                                          |
|                                | Shares    | Price  Paid                                  | Part of Publicly    | for Repurchase    | Yet Be Purchased                                                                                                                                                                            |
| Period                              | Purchased | per Share                                              | Announced Plans     | Under New Plan    | Under the Plan                                                                                                                                                                              |
| January 1, 2010 through             |      |                                                   |                |              |                                                                                                                                                                                        |
|    January 31, 2010  | 54,590    |  $       31.64 | 54,590              | 250,000           |                               250,000 |
| February 1, 2010 through            |      |                                                   |                |              |                                                                                                                                                                                        |
|    February 28, 2010 |  --  |                                                   |  --            |  --          |                               250,000 |
| March 1, 2010 through               |      |                                                   |                |              |                                                                                                                                                                                        |
|    March 31, 2010    |  --  |                                                   |  --            |  --          |                               250,000 |
|      Total | 54,590    |                                                   | 54,590              |              |                               250,000 |

<Index>

<Index>

<Index>

<Index>

----

<Index>

----

| ExhibitNumber                       |    Document |
|-------------------------------------|----------------------------|
|      2.0   |                       | Plan of Conversion and Reorganization* |
|      3(i)  |                       | Federal Stock Charter of Capitol Federal Financial** |
|      3(ii) |                       | Bylaws of Capitol Federal Financial filed on November 29, 2007 as Exhibit 3(ii) to |
|                                |                       | the Annual Report on Form 10-K and incorporated herein by reference |
|      4(i)  |                       | Form of Stock Certificate of Capitol Federal Financial** |
|      4(ii) |                       | The Registrant agrees to furnish to the Securities and Exchange Commission, upon request, the |
|                                |                       | instruments defining the rights of the holders of the Registrant’s long-term debt. |
|    10.1(i)           |                       | Registrant’s Thrift Plan filed on November 29, 2007 as Exhibit 10.1(i) to |
|                                |                       | the Annual Report on Form 10-K and incorporated herein by reference |
|    10.1(ii)          |                       | Registrant’s Stock Ownership Plan filed on November 29, 2007 as Exhibit 10.1(ii) to |
|                                |                       | the Annual Report on Form 10-K and incorporated herein by reference |
|    10.2              |                       | Registrant’s 2000 Stock Option and Incentive Plan (the “Stock Option Plan”) filed on April 13, |
|                                |                       | 2000 as Appendix A to Registrant’s Revised Proxy Statement (File No. 000-25391) and incorporated herein by reference  |
|    10.3              |                       | Registrant’s 2000 Recognition and Retention Plan (the “RRP”) filed on April 13, 2000 as |
|                                |                       | Appendix B to Registrant’s Revised Proxy Statement (File No. 000-25391) and incorporated herein by reference |
|    10.4              |                       | Capitol Federal Financial Deferred Incentive Bonus Plan, as amended, filed on May 5, 2009 as Exhibit 10.4 to the March 31, 2009 Form 10-Q and incorporated herein by reference  |
|    10.5              |                       | Form of Incentive Stock Option Agreement under the Stock Option Plan filed on February 4, 2005 |
|                                |                       | as Exhibit 10.5 to the December 31, 2004 Form 10-Q and incorporated herein by reference |
|    10.6              |                       | Form of Non-Qualified Stock Option Agreement under the Stock Option Plan filed on February 4, |
|                                |                       | 2005 as Exhibit 10.6 to the December 31, 2004 Form 10-Q and incorporated herein by reference |
|    10.7              |                       | Form of Restricted Stock Agreement under the RRP filed on February 4, 2005 as Exhibit 10.7 to the |
|                                |                       | December 31, 2004 Form 10-Q and incorporated herein by reference |
|    10.8              |                       | Description of Named Executive Officer Salary and Bonus Arrangements filed on November 30, |
|                                |                       | 2009 as Exhibit 10.8 to the Annual Report on Form 10-K and incorporated herein by reference |
|    10.9              |                       | Description of Director Fee Arrangements filed on February 4, 2010 as Exhibit 10.9 to the December 31, 2009 Form 10-Q and incorporated herein by reference |
|    10.10             |                       | Short-term Performance Plan filed on December 1, 2008 as Exhibit 10.10 to the Annual |
|                                |                       | Report on Form 10-K for the fiscal year ended September 30, 2008 and incorporated herein by reference |
|    11                |                       | Statement re: computation of earnings per share*** |
|    31.1              |                       | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 made by John B. Dicus, Chairman, President and Chief Executive Officer |
|    31.2              |                       | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 made by Kent G. Townsend, Executive Vice President and Chief Financial Officer  |
|    32                |                       | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 made by John B. Dicus, Chairman, President and Chief Executive Officer, and Kent G. Townsend, Executive Vice President and Chief Financial Officer |

----