| **FOR                      IMMEDIATE RELEASE** | **For                      More Information Contact:**  |
|------------------------------------------------|---------------------------------------------------------|
|                                           | Mark                      A. Roberts                    |
|                                           | Executive                      Vice President & CFO |
|                                           |  (413)                      787-1700               |

|                                                                                                                                                               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **UNITED                FINANCIAL BANCORP REPORTS SOLID GROWTH IN LOANS AND                CORE****DEPOSITS;                DECLARES DIVIDEND OF $0.06 PER SHARE** |
|                                                                                                                                                               |

**WEST      SPRINGFIELD, MA—April 20, 2007—**

----

**Financial      Highlights Include:**

|   | · | Gross                loans increased $23.9 million, or 3.1%, to $786.0 million at March                31,                2007 compared to $762.1 million at December 31, 2006.  Loan                growth was concentrated in the residential (2.1%), commercial real                estate                (12.5%) and home equity (3.2%) portfolios.  Origination activity                was solid in the first quarter of 2007 reflecting a sound local economy,                a                resilient real estate market, a relatively low interest rate environment,                competitive products and pricing, and successful business development                efforts. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | The                ratio of non-performing loans to total loans was 0.17% at March 31,                2007                and December 31, 2006. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | At                March 31, 2007, the allowance for loan losses to total loans was                0.94% and                the allowance for loan losses to non-performing loans was                570%. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Total                deposits increased $31.3 million, or 4.6%, to $716.9 million at March                31,                2007 compared to $685.7 million at December 31, 2006.  Deposit                growth was solid in all categories, with increases of 4.5% in transaction                accounts, 3.8% in savings balances, 6.7% in money market accounts                and 3.6%                in certificates of deposit.  The first quarter results were                affected by the December 2006 opening of our second branch in Westfield,                Massachusetts, the introduction of new products and services, competitive                pricing and targeted promotional                activities. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Net                interest income was essentially flat, increasing $48,000 to $7.0                million                for the three months ended March 31, 2007 from $6.9 million for the                same                period last year.  Average earning assets expanded $94.9                million, or 10.7%, mainly due to strong loan growth, offset in part                by the                use of cash flows from the investment portfolio to fund balance sheet                expansion.  The impact of growth in average earning assets was                offset by net interest margin compression.  Net interest margin                contracted 28 basis points to 2.82% for the first quarter of 2007                mainly                due to the flat to inverted yield curve, increasingly competitive                pricing                conditions for loans and deposits, a shift in deposit demand towards                higher-yielding money market and time deposit accounts and the impact                of                increased short-term market interest rates on the cost to fund earning                assets. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | · | Non-interest                income expanded $140,000, or 11.1%, to $1.4 million for the first                quarter                of 2007 from $1.3 million for the same period last year reflecting                strong                growth in fee income from deposits and wealth management                accounts. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Non-interest                expenses increased $871,000, or 15.1%, to $6.6 million for the three                months ended March 31, 2007 as a result of an increase in stock-based                compensation ($693,000), staff and occupancy costs related to new                branches                opened in the second and fourth quarters of 2006 ($189,000) and audit                and                accounting fees ($120,000).  The expansion in stock-based                compensation was mainly due to restricted stock and stock options                awarded                in the third and fourth quarters of 2006.  These increases were                somewhat offset by a reduction of $93,000 in marketing                costs. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| **UNITED                        FINANCIAL BANCORP, INC. AND SUBSIDIARY**             |
|-----------------------------------------------------------------------------------------------------------------------------------|
| **CONSOLIDATED                        STATEMENTS OF CONDITION (unaudited)**          |
| **(Dollars                        in thousands, except par value amounts)**          |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |
|                                                                                                                              |   | **March                        31,** |   |   | **December                        31,** |   |   | **March                        31,** |   |
| **Assets**                                                                                                                        |   | **2007** |   |   | **2006** |   |   | **2006** |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |
| Cash                        and cash equivalents                                                                                  |   | $ | 42,044 |   |   | $ | 25,419 |   |   | $ | 52,800 |   |
| Securities                        available for sale, at fair value                                                               |   |   | 171,474 |   |   |   | 190,237 |   |   |   | 220,485 |   |
| Securities                        held to maturity, at amortized cost                                                             |   |   | 3,913 |   |   |   | 3,241 |   |   |   | 3,323 |   |
| Federal                        Home Loan Bank of Boston stock, at cost                                                            |   |   | 9,885 |   |   |   | 9,274 |   |   |   | 6,684 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans:                                                                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential                        mortgages                                                                                      |   |   | 325,948 |   |   |   | 319,108 |   |   |   | 283,420 |   |
| Commercial                        mortgages                                                                                       |   |   | 197,514 |   |   |   | 175,564 |   |   |   | 154,637 |   |
| Construction                        loans                                                                                         |   |   | 48,748 |   |   |   | 54,759 |   |   |   | 30,167 |   |
| Commercial                        loans                                                                                           |   |   | 67,723 |   |   |   | 69,762 |   |   |   | 58,734 |   |
| Home                        equity loans                                                                                          |   |   | 116,350 |   |   |   | 112,739 |   |   |   | 91,552 |   |
| Consumer                        loans                                                                                             |   |   | 29,681 |   |   |   | 30,181 |   |   |   | 27,863 |   |
| Total                        loans                                                                                                |   |   | 785,964 |   |   |   | 762,113 |   |   |   | 646,373 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                        deferred loan costs and fees                                                                           |   |   | 1,367 |   |   |   | 1,285 |   |   |   | 1,215 |   |
| Allowance                        for loan losses                                                                                  |   |   | (7,426 | ) |   |   | (7,218 | ) |   |   | (6,580 | ) |
| Loans,                        net                                                                                                 |   |   | 779,905 |   |   |   | 756,180 |   |   |   | 641,008 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Other                        real estate owned                                                                                    |   |   | - |   |   |   | 562 |   |   |   | - |   |
| Premises                        and equipment, net                                                                                |   |   | 10,673 |   |   |   | 8,821 |   |   |   | 8,141 |   |
| Bank-owned                        life insurance                                                                                  |   |   | 6,473 |   |   |   | 6,304 |   |   |   | 6,113 |   |
| Other                        assets                                                                                               |   |   | 9,331 |   |   |   | 9,395 |   |   |   | 9,015 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                        assets                                                                                               |   | $ | 1,033,698 |   |   | $ | 1,009,433 |   |   | $ | 947,569 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| **Liabilities                        and Stockholders' Equity**                                                                   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits:                                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |
| Demand                                                                                                                            |   | $ | 102,513 |   |   | $ | 97,190 |   |   | $ | 92,762 |   |
| NOW                                                                                                                               |   |   | 38,227 |   |   |   | 37,523 |   |   |   | 38,714 |   |
| Savings                                                                                                                           |   |   | 68,006 |   |   |   | 65,475 |   |   |   | 84,646 |   |
| Money                        market                                                                                               |   |   | 177,173 |   |   |   | 165,984 |   |   |   | 158,367 |   |
| Certificates                        of deposit                                                                                    |   |   | 331,020 |   |   |   | 319,514 |   |   |   | 311,292 |   |
| Total                        deposits                                                                                             |   |   | 716,939 |   |   |   | 685,686 |   |   |   | 685,781 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Federal                        Home Loan Bank of Boston advances                                                                  |   |   | 162,171 |   |   |   | 169,806 |   |   |   | 112,542 |   |
| Repurchase                        agreements                                                                                      |   |   | 8,825 |   |   |   | 10,425 |   |   |   | 6,388 |   |
| Escrow                        funds held for borrowers                                                                            |   |   | 1,537 |   |   |   | 1,121 |   |   |   | 1,259 |   |
| Accrued                        expenses and other liabilities                                                                     |   |   | 5,741 |   |   |   | 4,684 |   |   |   | 4,307 |   |
| Total                        liabilities                                                                                          |   |   | 895,213 |   |   |   | 871,722 |   |   |   | 810,277 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Stockholders'                        Equity:                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |
| Preferred                        stock ($0.01 par value; 5,000,000 shares                                                         |   |   |   |   |   |   |   |   |   |   |   |   |
| authorized;                        no shares issued and outstanding)                                                              |   |   | - |   |   |   | - |   |   |   | - |   |
| Common                        stock ($0.01 par value; 60,000,000 shares authorized;                        17,205,995             |   |   |   |   |   |   |   |   |   |   |   |   |
| shares                        issued at March 31, 2007, December 31, 2006 and March 31,                        2006)              |   |   | 172 |   |   |   | 172 |   |   |   | 172 |   |
| Additional                        paid-in capital                                                                                 |   |   | 76,197 |   |   |   | 75,520 |   |   |   | 78,460 |   |
| Retained                        earnings                                                                                          |   |   | 70,798 |   |   |   | 70,406 |   |   |   | 67,928 |   |
| Unearned                        compensation                                                                                      |   |   | (5,661 | ) |   |   | (5,772 | ) |   |   | (6,012 | ) |
| Accumulated                        other comprehensive loss                                                                       |   |   | (1,508 | ) |   |   | (1,951 | ) |   |   | (3,256 | ) |
| Treasury                        stock, at cost (109,861 shares at March 31, 2007 and 51,445                        shares         |   |   |   |   |   |   |   |   |   |   |   |   |
| at                        December 31, 2006)                                                                                      |   |   | (1,513 | ) |   |   | (664 | ) |   |   | - |   |
| Total                        stockholders' equity                                                                                 |   |   | 138,485 |   |   |   | 137,711 |   |   |   | 137,292 |   |
|                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                        liabilities and stockholders' equity                                                                 |   | $ | 1,033,698 |   |   | $ | 1,009,433 |   |   | $ | 947,569 |   |

----

| **UNITED                        FINANCIAL BANCORP, INC. AND SUBSIDIARY**          |
|-----------------------------------------------------------------------------------------------------------------|
| **CONSOLIDATED                        INCOME STATEMENTS (unaudited)**             |
| **(Amounts                        in thousands, except per share amounts)**       |
|                                                                                                            |   |   |   |   |   |   |
|                                                                                                            |   |   |   |   |   |   |
|                                                                                                            |   | **Three                        Months Ended** |   |
|                                                                                                            |   | **March                        31,**    |   |
|                                                                                                            |   | **2007** |   |   | **2006** |   |
| Interest                        and dividend income:                                                            |   |   |   |   |   |   |
| Loans                                                                                                           |   | $ | 11,955 |   |   | $ | 9,600 |   |
| Investments                                                                                                     |   |   | 1,982 |   |   |   | 2,305 |   |
| Other                        interest-earning assets                                                            |   |   | 375 |   |   |   | 242 |   |
| Total                        interest and dividend income                                                       |   |   | 14,312 |   |   |   | 12,147 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Interest                        expense:                                                                        |   |   |   |   |   |   |   |   |
| Deposits                                                                                                        |   |   | 5,181 |   |   |   | 4,042 |   |
| Borrowings                                                                                                      |   |   | 2,175 |   |   |   | 1,197 |   |
| Total                        interest expense                                                                   |   |   | 7,356 |   |   |   | 5,239 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Net                        interest income before provision for loan losses                                     |   |   | 6,956 |   |   |   | 6,908 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Provision                        for loan losses                                                                |   |   | 284 |   |   |   | 162 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Net                        interest income after provision for loan losses                                      |   |   | 6,672 |   |   |   | 6,746 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Non-interest                        income:                                                                     |   |   |   |   |   |   |   |   |
| Gain                        on sales of securities                                                              |   |   | 14 |   |   |   | - |   |
| Fee                        income on depositors’ accounts                                                 |   |   | 1,038 |   |   |   | 946 |   |
| Wealth                        management income                                                                 |   |   | 121 |   |   |   | 57 |   |
| Income                        from bank-owned life insurance                                                    |   |   | 35 |   |   |   | 81 |   |
| Other                        income                                                                             |   |   | 190 |   |   |   | 174 |   |
| Total                        non-interest income                                                                |   |   | 1,398 |   |   |   | 1,258 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Non-interest                        expense:                                                                    |   |   |   |   |   |   |   |   |
| Salaries                        and benefits                                                                    |   |   | 3,838 |   |   |   | 3,028 |   |
| Occupancy                        expenses                                                                       |   |   | 491 |   |   |   | 403 |   |
| Marketing                        expenses                                                                       |   |   | 322 |   |   |   | 415 |   |
| Data                        processing expenses                                                                 |   |   | 642 |   |   |   | 632 |   |
| Professional                        fees                                                                        |   |   | 389 |   |   |   | 256 |   |
| Other                        expenses                                                                           |   |   | 965 |   |   |   | 1,042 |   |
| Total                        non-interest expense                                                               |   |   | 6,647 |   |   |   | 5,776 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Income                        before income taxes                                                               |   |   | 1,423 |   |   |   | 2,228 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Income                        tax expense                                                                       |   |   | 589 |   |   |   | 873 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Net                        income                                                                               |   | $ | 834 |   |   | $ | 1,355 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Earnings                        per share:                                                                      |   |   |   |   |   |   |   |   |
| Basic                                                                                                           |   | $ | 0.05 |   |   | $ | 0.08 |   |
| Diluted                                                                                                         |   | $ | 0.05 |   |   | $ | 0.08 |   |
|                                                                                                            |   |   |   |   |   |   |   |   |
| Weighted                        average shares outstanding:                                                     |   |   |   |   |   |   |   |   |
| Basic                                                                                                           |   |   | 16,274 |   |   |   | 16,601 |   |
| Diluted                                                                                                         |   |   | 16,333 |   |   |   | 16,601 |   |

----

| **UNITED                          FINANCIAL BANCORP, INC. AND SUBSIDIARY**                   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **SELECTED                          DATA AND RATIOS (unaudited)**                            |
| **(Dollars                          in thousands, except per share amounts)**                |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                    |   | **At                          or For The Quarters Ended**       |   |
|                                                                                                                                                                    |   | **Mar.                          31** |   |   | **Dec.                          31** |   |   | **Sep.                          30** |   |   | **Jun.                          30** |   |   | **Mar.                          31** |   |
|                                                                                                                                                                    |   | **2007** |   |   | **2006** |   |   | **2006** |   |   | **2006** |   |   | **2006** |   |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Operating                          Results:**                                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                          interest income                                                                                                                            |   | $ | 6,956 |   |   | $ | 6,938 |   |   | $ | 6,944 |   |   | $ | 6,765 |   |   | $ | 6,908 |   |
| Loan                          loss provision                                                                                                                            |   |   | 284 |   |   |   | 342 |   |   |   | 165 |   |   |   | 300 |   |   |   | 162 |   |
| Non-interest                          income                                                                                                                            |   |   | 1,398 |   |   |   | 1,399 |   |   |   | 1,294 |   |   |   | 1,441 |   |   |   | 1,258 |   |
| Non-interest                          expenses                                                                                                                          |   |   | 6,647 |   |   |   | 6,845 |   |   |   | 5,580 |   |   |   | 5,836 |   |   |   | 5,776 |   |
| Net                          income                                                                                                                                     |   |   | 834 |   |   |   | 766 |   |   |   | 1,513 |   |   |   | 1,290 |   |   |   | 1,355 |   |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Performance                          Ratios (annualized):**                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Return                          on average assets                                                                                                                       |   |   | 0.33 | % |   |   | 0.31 | % |   |   | 0.62 | % |   |   | 0.55 | % |   |   | 0.59 | % |
| Return                          on average equity                                                                                                                       |   |   | 2.41 | % |   |   | 2.23 | % |   |   | 4.44 | % |   |   | 3.75 | % |   |   | 3.93 | % |
| Net                          interest margin                                                                                                                            |   |   | 2.82 | % |   |   | 2.89 | % |   |   | 2.96 | % |   |   | 2.96 | % |   |   | 3.10 | % |
| Non-interest                          income to average total assets                                                                                                    |   |   | 0.55 | % |   |   | 0.57 | % |   |   | 0.53 | % |   |   | 0.61 | % |   |   | 0.55 | % |
| Non-interest                          expense to average total assets                                                                                                   |   |   | 2.62 | % |   |   | 2.77 | % |   |   | 2.30 | % |   |   | 2.47 | % |   |   | 2.51 | % |
| Efficiency                          ratio                                                                                                                               |   |   | 79.57 | % |   |   | 82.10 | % |   |   | 67.73 | % |   |   | 71.12 | % |   |   | 70.73 | % |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Per                          Share Data:**                                                                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Diluted                          earnings per share                                                                                                                     |   | $ | 0.05 |   |   | $ | 0.04 |   |   | $ | 0.09 |   |   | $ | 0.08 |   |   | $ | 0.08 |   |
| Book                          value per share                                                                                                                           |   | $ | 8.10 |   |   | $ | 8.03 |   |   | $ | 7.95 |   |   | $ | 8.00 |   |   | $ | 7.98 |   |
| Market                          price at period end                                                                                                                     |   | $ | 14.85 |   |   | $ | 13.80 |   |   | $ | 12.93 |   |   | $ | 13.31 |   |   | $ | 12.03 |   |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Risk                          Profile**                                                                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-performing                          assets as a percent of total assets                                                                                             |   |   | 0.13 | % |   |   | 0.18 | % |   |   | 0.26 | % |   |   | 0.28 | % |   |   | 0.18 | % |
| Non-performing                          loans as a percent of total loans, gross                                                                                        |   |   | 0.17 | % |   |   | 0.17 | % |   |   | 0.27 | % |   |   | 0.33 | % |   |   | 0.26 | % |
| Allowance                          for loan losses as a percent of total loans, gross                                                                                   |   |   | 0.94 | % |   |   | 0.95 | % |   |   | 0.94 | % |   |   | 0.98 | % |   |   | 1.02 | % |
| Allowance                          for loan losses as a percent of non-performing loans                                                                                 |   |   | 570.35 | % |   |   | 560.40 | % |   |   | 341.78 | % |   |   | 249.82 | % |   |   | 390.27 | % |
| Equity                          as a percentage of assets                                                                                                               |   |   | 13.40 | % |   |   | 13.65 | % |   |   | 13.90 | % |   |   | 14.31 | % |   |   | 14.49 | % |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Average                          Balances**                                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                                                                                                                                                                   |   | $ | 776,301 |   |   | $ | 746,256 |   |   | $ | 714,918 |   |   | $ | 669,409 |   |   | $ | 640,832 |   |
| Securities                                                                                                                                                              |   |   | 180,491 |   |   |   | 194,786 |   |   |   | 211,101 |   |   |   | 220,845 |   |   |   | 227,373 |   |
| Total                          interest earning assets                                                                                                                  |   |   | 985,112 |   |   |   | 959,650 |   |   |   | 939,591 |   |   |   | 914,729 |   |   |   | 890,218 |   |
| Total                          assets                                                                                                                                   |   |   | 1,016,369 |   |   |   | 988,944 |   |   |   | 969,962 |   |   |   | 945,262 |   |   |   | 921,155 |   |
| Deposits                                                                                                                                                                |   |   | 691,532 |   |   |   | 688,104 |   |   |   | 687,397 |   |   |   | 686,630 |   |   |   | 658,530 |   |
| FHLB                          advances                                                                                                                                  |   |   | 170,727 |   |   |   | 150,301 |   |   |   | 134,833 |   |   |   | 111,316 |   |   |   | 112,641 |   |
| Capital                                                                                                                                                                 |   |   | 138,296 |   |   |   | 137,219 |   |   |   | 136,279 |   |   |   | 137,639 |   |   |   | 137,768 |   |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Average                          Yields/Rates (annualized)**                                                                                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                                                                                                                                                                   |   |   | 6.16 | % |   |   | 6.23 | % |   |   | 6.18 | % |   |   | 6.02 | % |   |   | 5.99 | % |
| Securities                                                                                                                                                              |   |   | 4.39 | % |   |   | 4.28 | % |   |   | 4.16 | % |   |   | 4.10 | % |   |   | 4.06 | % |
| Total                          interest earning assets                                                                                                                  |   |   | 5.81 | % |   |   | 5.81 | % |   |   | 5.74 | % |   |   | 5.52 | % |   |   | 5.46 | % |
|                                                                                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Savings                          accounts                                                                                                                               |   |   | 0.86 | % |   |   | 0.84 | % |   |   | 0.84 | % |   |   | 0.83 | % |   |   | 0.82 | % |
| Money                          market/NOW accounts                                                                                                                      |   |   | 2.69 | % |   |   | 2.69 | % |   |   | 2.64 | % |   |   | 2.61 | % |   |   | 2.45 | % |
| Certificates                          of deposit                                                                                                                        |   |   | 4.50 | % |   |   | 4.48 | % |   |   | 4.27 | % |   |   | 4.07 | % |   |   | 3.71 | % |
| FHLB                          advances                                                                                                                                  |   |   | 4.74 | % |   |   | 4.79 | % |   |   | 4.69 | % |   |   | 4.03 | % |   |   | 3.97 | % |
| Total                          interest-bearing liabilities                                                                                                             |   |   | 3.77 | % |   |   | 3.73 | % |   |   | 3.57 | % |   |   | 3.30 | % |   |   | 3.05 | % |