| Maryland                                                       |           45-5055422 |
|----------------------------------------------------------------|------------------------------------------------------------------------|
| (State or other jurisdiction of incorporation of organization) | (IRS Employer Identification No.)                                      |

|   | Large accelerated filer [  ]     |                                          | Accelerated filer [  ]         |
|--------|--------------------------------------------|-----------------------------------------------|------------------------------------------|
|   | Non-accelerated filer   [X] | (Do not check if a smaller reporting company) | Smaller reporting company [  ] |

|                                                                                                     |                                                                                                                                        | Page Number |
|----------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------|-------------|
| PART I  FINANCIAL INFORMATION                                                                  |                                                                                                                                        |
|                                                                                                     |                                                                                                                                        |        |
| Item 1.  Financial Statements                                                                  |                                                                                                                                        |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Consolidated Balance Sheets at September 30, 2012 (Unaudited) and June 30, 2012                                                             | 3      |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Unaudited Consolidated Statements of Income for the Three Months Ended September 30, 2012 and 2011                                          | 4      |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Unaudited Consolidated Statements Of Comprehensive Income For the Three Months Ended September 30, 2012 and 2011                            | 5      |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Unaudited Consolidated Statement Of Changes In Stockholders’ Equity  For the Three Months Ended September 30, 2012 and 2011 | 6      |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Unaudited Consolidated Statements Of Cash Flows For the Three Months Ended September 30, 2012 and 2011                                      | 7      |
|                                                                                                     |                                                                                                                                        |        |
|                                                                                                     | Notes to Consolidated Financial Statements                                                                                                  | 8      |
|                                                                                                     |                                                                                                                                        |        |
| Item 2.  Management's Discussion and Analysis of Financial Condition and Results of Operations | 27                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 3.  Quantitative and Qualitative Disclosures about Market Risk                            | 36                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 4.  Controls and Procedures                                                               | 36                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| PART II  OTHER INFORMATION                                                                     |                                                                                                                                        |
|                                                                                                     |                                                                                                                                        |        |
| Item 1.  Legal Proceedings                                                                     | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 1A  Risk Factors                                                                          | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds                           | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 3.  Defaults Upon Senior Securities                                                       | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 4.  Mine Safety Disclosures                                                               | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 5.  Other Information                                                                     | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| Item 6.  Exhibits                                                                              | 37                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| SIGNATURES                                                                                               | 38                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |
| EXHIBIT INDEX                                                                                            | 39                                                                                                                                     |
|                                                                                                     |                                                                                                                                        |        |

|                                                                           |   | (Unaudited) September 30, 2012 |      |   | June 30,2012 |   |
|--------------------------------------------------------------------------------|--------|------------------------------------------|-----------|--------|--------------|--------|
| Assets                                                                         |   |                                     |      |   |         |   |
| Cash                                                                           |   | $                                        | 15,871    |   |         | $      | 13,909 |   |
| Interest-bearing deposits                                                      |   |                                     | 101,846   |   |         |   | 210,892 |   |
|   Cash and cash equivalents                                          |   |                                     | 117,717   |   |         |   | 224,801 |   |
| Certificates of deposit in other banks                                         |   |                                     | 122,245   |   |         |   | 108,010 |   |
| Securities available for sale, at fair value                                   |   |                                     | 30,534    |   |         |   | 31,335 |   |
| Loans held for sale                                                            |   |                                     | 19,120    |   |         |   | 10,787 |   |
| Total loans, net of deferred loan fees and discount                            |   |                                     | 1,203,021 |   |         |   | 1,229,045 |   |
| Allowance for loan losses                                                      |   |                                     | (35,887   | )      |         |   | (35,100 | ) |
|   Net loans                                                          |   |                                     | 1,167,134 |   |         |   | 1,193,945 |   |
| Premises and equipment, net                                                    |   |                                     | 22,730    |   |         |   | 23,106 |   |
| Federal Home Loan Bank stock, at cost                                          |   |                                     | 3,047     |   |         |   | 6,300 |   |
| Accrued interest receivable                                                    |   |                                     | 6,206     |   |         |   | 6,008 |   |
| Real estate owned                                                              |   |                                     | 13,076    |   |         |   | 16,130 |   |
| Deferred income taxes                                                          |   |                                     | 49,076    |   |         |   | 48,927 |   |
| Other assets                                                                   |   |                                     | 52,099    |   |         |   | 50,707 |   |
|   Total Assets                                                       |   | $                                        | 1,602,984 |   |         | $      | 1,720,056 |   |
|                                                                           |   |                                     |      |   |         |   |   |   |
| Liabilities and Stockholders’ Equity                                     |   |                                     |      |   |         |   |   |   |
| Liabilities                                                                    |   |                                     |      |   |         |   |   |   |
| Deposits                                                                       |   | $                                        | 1,160,309 |   |         | $      | 1,466,175 |   |
| Other borrowings                                                               |   |                                     | 14,225    |   |         |   | 22,265 |   |
| Capital lease obligations                                                      |   |                                     | 2,022     |   |         |   | 2,024 |   |
| Other liabilities                                                              |   |                                     | 54,885    |   |         |   | 57,107 |   |
|   Total liabilities                                                  |   |                                     | 1,231,441 |   |         |   | 1,547,571 |   |
| Stockholders’ Equity                                                     |   |                                     |      |   |         |   |   |   |
| Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or |   |                                     |      |   |         |   |   |   |
| Outstanding                                                                    |   |                                     | -         |   |         |   | - |   |
| Common stock, $0.01 par value, 60,000,000 shares authorized, 21,160,000 shares |   |                                     |      |   |         |   |   |   |
| issued and outstanding at September 30, 2012; none at June 30, 2012            |   |                                     | 212       |   |         |   | - |   |
| Additional paid in capital                                                     |   |                                     | 239,392   |   |         |   | 31,367 |   |
| Retained earnings                                                              |   |                                     | 142,089   |   |         |   | 140,937 |   |
| Unearned Employee Stock Ownership Plan (ESOP) shares                           |   |                                     | (10,448   | )      |         |   | - |   |
| Accumulated other comprehensive income                                         |   |                                     | 298       |   |         |   | 181 |   |
|   Total stockholders’ equity                                   |   |                                     | 371,543   |   |         |   | 172,485 |   |
|   Total Liabilities and Stockholders’ Equity                   |   | $                                        | 1,602,984 |   |         | $      | 1,720,056 |   |

|                                                                    |   | (Unaudited)Three Months Ended |       |
|-------------------------------------------------------------------------|--------|-------------------------------|------------|
|                                                                    |   | September 30,                 |       |
|                                                                    |   | 2012                          |       |   | 2011 |   |
| Interest and Dividend Income                                            |   |                          |       |   |   |   |
|   Loans                                                       |   | $                             | 15,216     |   |   | $ | 16,903 |   |
|   Securities available for sale                               |   |                          | 96         |   |   |   | 123 |   |
|   Certificates of deposit and other interest-bearing deposits |   |                          | 391        |   |   |   | 163 |   |
|   Federal Home Loan Bank stock                                |   |                          | 25         |   |   |   | 18 |   |
|     Total interest and dividend income              |   |                          | 15,728     |   |   |   | 17,207 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Interest Expense                                                        |   |                          |       |   |   |   |   |   |
|   Deposits                                                    |   |                          | 2,020      |   |   |   | 2,989 |   |
|   Other borrowings                                            |   |                          | 189        |   |   |   | 390 |   |
|     Total interest expense                          |   |                          | 2,209      |   |   |   | 3,379 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Net Interest Income                                                     |   |                          | 13,519     |   |   |   | 13,828 |   |
| Provision for Loan Losses                                               |   |                          | 1,500      |   |   |   | 5,300 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Net Interest Income after Provision for Loan Losses                     |   |                          | 12,019     |   |   |   | 8,528 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Noninterest Income                                                      |   |                          |       |   |   |   |   |   |
|   Service charges on deposit accounts                         |   |                          | 653        |   |   |   | 709 |   |
|   Mortgage banking income and fees                            |   |                          | 1,176      |   |   |   | 672 |   |
|   Loss on sale of premises and equipment                      |   |                          | -          |   |   |   | (3 | ) |
|   Other, net                                                  |   |                          | 514        |   |   |   | 296 |   |
|     Total other income                              |   |                          | 2,343      |   |   |   | 1,674 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Noninterest Expense                                                     |   |                          |       |   |   |   |   |   |
|   Salaries and employee benefits                              |   |                          | 6,329      |   |   |   | 5,179 |   |
|   Net occupancy expense                                       |   |                          | 1,259      |   |   |   | 1,156 |   |
|   Marketing and advertising                                   |   |                          | 314        |   |   |   | 367 |   |
|   Telephone, postage, and supplies                            |   |                          | 364        |   |   |   | 331 |   |
|   Deposit insurance premiums                                  |   |                          | 522        |   |   |   | 465 |   |
|   Computer services                                           |   |                          | 552        |   |   |   | 382 |   |
|   Loss on sale and impairment of real estate owned            |   |                          | 327        |   |   |   | 386 |   |
|   Federal Home Loan Bank advance prepayment penalty           |   |                          | 1,561      |   |   |   | - |   |
|   Other                                                       |   |                          | 2,165      |   |   |   | 1,766 |   |
|     Total other expense                             |   |                          | 13,393     |   |   |   | 10,032 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Income Before Income Taxes                                              |   |                          | 969        |   |   |   | 170 |   |
| Income Tax Benefit                                                      |   |                          | (183       | ) |   |   | (114 | ) |
|                                                                    |   |                          |       |   |   |   |   |   |
| Net Income                                                              |   | $                             | 1,152      |   |   | $ | 284 |   |
|                                                                    |   |                          |       |   |   |   |   |   |
| Per Share Data:                                                         |   |                          |       |   |   |   |   |   |
| Net income per common share:                                            |   |                          |       |   |   |   |   |   |
|      Basic                                     |   | $                             | 0.06       |   |   |   | n/a |   |
|      Diluted                                   |   | $                             | 0.06       |   |   |   | n/a |   |
| Average shares outstanding:                                             |   |                          |       |   |   |   |   |   |
|      Basic                                     |   |                          | 20,108,612 |   |   |   | n/a |   |
|      Diluted                                   |   |                          | 20,108,612 |   |   |   | n/a |   |

|                                                                  |   |                                       |   |
|-----------------------------------------------------------------------|--------|--------------------------------------------|--------|
|                                                                  |   |                                       |   |
|                                                                  |   | (Unaudited)Three Months EndedSeptember 30, |   |
|                                                                  |   | 2012                                       |   |   | 2011 |   |
|                                                                  |   |                                       |   |   |   |   |
| Net Income                                                            |   | $                                          | 1,152  |   |   | $ | 284 |   |
| Other Comprehensive Income                                            |   |                                       |   |   |   |   |   |   |
|   Unrealized holding gains on securities available for sale |   |                                       |   |   |   |   |   |   |
|     Gains arising during the period               |   | $                                          | 177    |   |   | $ | 188 |   |
|     Deferred income tax expense                   |   |                                       | (60    | ) |   |   | (64 | ) |
|   Total other comprehensive income                          |   | $                                          | 117    |   |   | $ | 124 |   |
|                                                                  |   |                                       |   |   |   |   |   |   |
| Comprehensive Income                                                  |   | $                                          | 1,269  |   |   | $ | 408 |   |

|                                            |   | CommonStock |   |   | AdditionalPaid InCapital |   |    | RetainedEarnings |   |   | UnearnedESOPShares |   |   | AccumulatedOtherComprehensiveIncome (Loss) |    |   | TotalStockholders’Equity |   |
|-------------------------------------------------|--------|-------------|--------|--------|--------------------------|--------|---------|------------------|--------|--------|--------------------|--------|--------|--------------------------------------------|---------|--------|--------------------------------|--------|
| (Unaudited)                                |   |        |   |   |                     |   |    |             |   |   |               |   |   |                                       |    |   |                           |   |
| Balance at June 30, 2011                        |   | $           | -      |   |                     | $      | 31,367  |             |   | $      | 136,410            |   |   | $                                          | -       |   |                           | $      | (8 | ) |   | $ | 167,769 |   |
|   Net income                          |   |        | -      |   |                     |   | -       |             |   |   | 284                |   |   |                                       | -       |   |                           |   | - |   |   |   | 284 |   |
|   Other comprehensive income          |   |        | -      |   |                     |   | -       |             |   |   | -                  |   |   |                                       | -       |   |                           |   | 124 |   |   |   | 124 |   |
| Balance at September 30, 2011                   |   | $           | -      |   |                     | $      | 31,367  |             |   | $      | 136,694            |   |   | $                                          | -       |   |                           | $      | 116 |   |   | $ | 168,177 |   |
|                                            |   |        |   |   |                     |   |    |             |   |   |               |   |   |                                       |    |   |                           |   |   |   |   |   |   |   |
| Balance at June 30, 2012                        |   | $           | -      |   |                     | $      | 31,367  |             |   | $      | 140,937            |   |   | $                                          | -       |   |                           | $      | 181 |   |   | $ | 172,485 |   |
|   Net income                          |   |        | -      |   |                     |   | -       |             |   |   | 1,152              |   |   |                                       | -       |   |                           |   | - |   |   |   | 1,152 |   |
|   Issuance of common stock            |   |        | 212    |   |                     |   | 211,388 |             |   |   | -                  |   |   |                                       | -       |   |                           |   | - |   |   |   | 211,600 |   |
|   Common stock issuance costs         |   |        | -      |   |                     |   | (3,396  | )                |   |   | -                  |   |   |                                       | -       |   |                           |   | - |   |   |   | (3,396 | ) |
|   Loan to ESOP for purchase of shares |   |        | -      |   |                     |   | -       |             |   |   | -                  |   |   |                                       | (10,580 | )      |                           |   | - |   |   |   | (10,580 | ) |
|   ESOP shares allocated               |   |        | -      |   |                     |   | 33      |             |   |   | -                  |   |   |                                       | 132     |   |                           |   | - |   |   |   | 165 |   |
|   Other comprehensive income          |   |        | -      |   |                     |   | -       |             |   |   | -                  |   |   |                                       | -       |   |                           |   | 117 |   |   |   | 117 |   |
|                                            |   |        |   |   |                     |   |    |             |   |   |               |   |   |                                       |    |   |                           |   |   |   |   |   |   |   |
| Balance at September 30, 2012                   |   | $           | 212    |   |                     | $      | 239,392 |             |   | $      | 142,089            |   |   | $                                          | (10,448 | )      |                           | $      | 298 |   |   | $ | 371,543 |   |

|                                                                             |   | (Unaudited)Three Months EndedSeptember 30, |    |
|----------------------------------------------------------------------------------|--------|--------------------------------------------|---------|
|                                                                             |   | 2012                                       |    |   | 2011 |   |
| Operating Activities:                                                            |   |                                       |    |   |   |   |
| Net income                                                                       |   | $                                          | 1,152   |   |   | $ | 284 |   |
| Adjustments to reconcile net income to net cash used in operating activities:    |   |                                       |    |   |   |   |   |   |
|     Provision for loan losses                                |   |                                       | 1,500   |   |   |   | 5,300 |   |
|     Depreciation                                             |   |                                       | 565     |   |   |   | 538 |   |
|     Deferred income tax benefit                              |   |                                       | (209    | ) |   |   | (40 | ) |
|     Net amortization and accretion                           |   |                                       | 76      |   |   |   | (106 | ) |
|     Loss on sale of premises and equipment                   |   |                                       | -       |   |   |   | 3 |   |
|     Loss on sale and impairment of real estate owned         |   |                                       | 327     |   |   |   | 386 |   |
|     Gain on sale of loans held for sale                      |   |                                       | (921    | ) |   |   | (506 | ) |
|     Origination of loans held for sale                       |   |                                       | (64,006 | ) |   |   | (30,325 | ) |
|     Proceeds from sales of loans held for sale               |   |                                       | 56,594  |   |   |   | 27,569 |   |
|     Decrease in deferred loan fees, net                      |   |                                       | (164    | ) |   |   | (194 | ) |
|     Increase in accrued interest receivable and other assets |   |                                       | (1,590  | ) |   |   | (7,363 | ) |
|     ESOP compensation expense                                |   |                                       | 165     |   |   |   | - |   |
|     Decrease in other liabilities                            |   |                                       | (2,222  | ) |   |   | (1,979 | ) |
| Net cash used in operating activities                                            |   |                                       | (8,733  | ) |   |   | (6,433 | ) |
|                                                                             |   |                                       |    |   |   |   |   |   |
| Investing Activities:                                                            |   |                                       |    |   |   |   |   |   |
| Purchase of securities available for sale                                        |   |                                       | (6,000  | ) |   |   | (5,999 | ) |
| Proceeds from maturities of securities available for sale                        |   |                                       | 6,000   |   |   |   | 26,862 |   |
| Purchase of certificates of deposit in other banks                               |   |                                       | (30,545 | ) |   |   | (10,636 | ) |
| Maturities of certificates of deposit in other banks                             |   |                                       | 16,310  |   |   |   | 14,551 |   |
| Principal repayments of mortgage-backed securities                               |   |                                       | 866     |   |   |   | 659 |   |
| Net redemptions of Federal Home Loan Bank Stock                                  |   |                                       | 3,253   |   |   |   | 950 |   |
| Net decrease in loans                                                            |   |                                       | 23,295  |   |   |   | 4,328 |   |
| Purchase of premises and equipment                                               |   |                                       | (189    | ) |   |   | (440 | ) |
| Capital improvements to real estate owned                                        |   |                                       | (118    | ) |   |   | - |   |
| Proceeds from sale of real estate owned                                          |   |                                       | 5,061   |   |   |   | 193 |   |
| Net cash provided by investing activities                                        |   |                                       | 17,933  |   |   |   | 30,468 |   |

| Financing Activities:                                                  |   |   |     |   |   |   |
|------------------------------------------------------------------------|--------|--------|----------|--------|--------|--------|
| Net increase (decrease) in deposits                                    |   |   | (305,866 | )      |   |   | 40,560 |   |
| Net decrease in other borrowings                                       |   |   | (8,040   | )      |   |   | (66,162 | ) |
| Proceeds from stock conversion                                         |   |   | 208,204  |   |   |   | - |   |
| Loan to ESOP for purchase of shares                                    |   |   | (10,580  | )      |   |   | - |   |
| Decrease in capital lease obligations                                  |   |   | (2       | )      |   |   | (2 | ) |
| Net cash used in financing activities                                  |   |   | (116,284 | )      |   |   | (25,604 | ) |
| Net Decrease in Cash and Cash Equivalents                              |   |   | (107,084 | )      |   |   | (1,569 | ) |
| Cash and Cash Equivalents at Beginning of Period                       |   |   | 224,801  |   |   |   | 34,671 |   |
| Cash and Cash Equivalents at End of Period                             |   | $      | 117,717  |   |   | $      | 33,102 |   |
|                                                                   |   |   |     |   |   |   |   |   |
| Supplemental Disclosures:                                              |   |   |     |   |   |   |   |   |
|                                                                   |   |   |     |   |   |   |   |   |
| Cash paid during the period for:                                       |   |   |     |   |   |   |   |   |
|   Interest                                                   |   | $      | 2,287    |   |   | $      | 3,941 |   |
|   Income taxes                                               |   |   | -        |   |   |   | 94 |   |
| Noncash transactions:                                                  |   |   |     |   |   |   |   |   |
|   Unrealized gain in value of securities available for sale, |   |   |     |   |   |   |   |   |
|     net of income taxes                            |   |   | 117      |   |   |   | 124 |   |
|   Transfers of loans to real estate owned                    |   |   | 2,708    |   |   |   | 2,410 |   |
|   Loans originated to finance the sale of real estate owned  |   |   | 492      |   |   |   | 2,238 |   |

| 1.   |   Summary of Significant Accounting Policies |
|----------------|--------------------------------------------------------|

| 2. |  Securities Available for Sale |
|----|-------------------------------------|

|   |   | Securities available for sale consist of the following at the dates indicated: |
|--------|--------|--------------------------------------------------------------------------------|

|                                      |         | September 30, 2012 |
|-------------------------------------------|--------------|--------------------|
|                                      |         |               | AmortizedCost |    |   | GrossUnrealizedGains |    |   | GrossUnrealizedLosses |     |   | EstimatedFairValue |
| U.S. Government Agencies                  |    | $                  | 6,000 |   | $ | - |   | $ | (1) |   | $ | 5,999 |
| Residential Mortgage-backed               |         |               |   |   |   |   |   |   |   |   |   |   |
|   Securities of U.S. Government |         |               |   |   |   |   |   |   |   |   |   |   |
|   Agencies and Government-      |         |               |   |   |   |   |   |   |   |   |   |   |
|   Sponsored Enterprises         |         |               | 24,082 |   |   | 464 |   |   | (11) |   |   | 24,535 |
| Total                                     |         | $                  | 30,082 |   | $ | 464 |   | $ | (12) |   | $ | 30,534 |

|                                      |         | June 30, 2012 |
|-------------------------------------------|--------------|---------------|
|                                      |         |          | AmortizedCost |    |   | GrossUnrealizedGains |    |   | GrossUnrealizedLosses |     |   | EstimatedFairValue |
| U.S. Government Agencies                  |    | $             | 6,102 |   | $ | 2 |   | $ | (2) |   | $ | 6,102 |
| Residential Mortgage-backed               |         |          |   |   |   |   |   |   |   |   |   |   |
|   Securities of U.S. Government |         |          |   |   |   |   |   |   |   |   |   |   |
|   Agencies and Government-      |         |          |   |   |   |   |   |   |   |   |   |   |
|   Sponsored Enterprises         |         |          | 24,958 |   |   | 286 |   |   | (11) |   |   | 25,233 |
| Total                                     |         | $             | 31,060 |   | $ | 288 |   | $ | (13) |   | $ | 31,335 |

|                                   |   | September 30, 2012 |   |
|----------------------------------------|--------|--------------------|--------|
|                                   |   | AmortizedCost      |   |   | EstimatedFair Value |   |
| Due within one year                    |   | $                  | -      |   |   | $ | - |   |
| Due after one year through five years  |   |               | 6,000  |   |   |   | 5,999 |   |
| Due after five years through ten years |   |               | -      |   |   |   | - |   |
| Due after ten years                    |   |               | -      |   |   |   | - |   |
| Mortgage-backed securities             |   |               | 24,082 |   |   |   | 24,535 |   |
| Total                                  |   | $                  | 30,082 |   |   | $ | 30,534 |   |

|                                   |   | June 30, 2012 |   |
|----------------------------------------|--------|---------------|--------|
|                                   |   | AmortizedCost |   |   | EstimatedFair Value |   |
| Due within one year                    |   | $             | 6,000  |   |   | $ | 6,002 |   |
| Due after one year through five years  |   |          | 102    |   |   |   | 100 |   |
| Due after five years through ten years |   |          | -      |   |   |   | - |   |
| Due after ten years                    |   |          | -      |   |   |   | - |   |
| Mortgage-backed securities             |   |          | 24,958 |   |   |   | 25,233 |   |
| Total                                  |   | $             | 31,060 |   |   | $ | 31,335 |   |

|                                                                                                                                                 |   | September 30, 2012 (Unaudited) |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------|--------|
|                                                                                                                                                 |   | Less than 12 Months            |   |   | 12 Months or More |   |   | Total |   |
|                                                                                                                                                 |   | FairValue                      |   |   | UnrealizedLosses |   |   | FairValue |   |   | UnrealizedLosses |   |   | FairValue |   |   | UnrealizedLosses |   |
| U.S. Government Agencies                                                                                                                             |   | $                              | 5,999  |   |   | $ | (1 | ) |   | $ | - |   |   | $ | - |   |   | $ | 5,999 |   |   | $ | (1 | ) |
| Residential Mortgage-  backed Securities of U.S.  Government Agencies and  Government-Sponsored  Enterprises |   |                           | 49     |   |   |   | (1 | ) |   |   | 2,695 |   |   |   | (10 | ) |   |   | 2,744 |   |   |   | (11 | ) |
| Total                                                                                                                                                |   | $                              | 6,048  |   |   | $ | (2 | ) |   | $ | 2,695 |   |   | $ | (10 | ) |   | $ | 8,743 |   |   | $ | (12 | ) |

|                                                                                                                                                 |   | June 30, 2012       |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------|--------|
|                                                                                                                                                 |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
|                                                                                                                                                 |   | FairValue           |   |   | UnrealizedLosses |   |   | FairValue |   |   | UnrealizedLosses |   |   | FairValue |   |   | UnrealizedLosses |   |
| U.S. Government Agencies                                                                                                                             |   | $                   | -      |   |   | $ | - |   |   | $ | 100 |   |   | $ | (2 | ) |   | $ | 100 |   |   | $ | (2 | ) |
| Residential Mortgage-  backed Securities of U.S.  Government Agencies and  Government-Sponsored  Enterprises |   |                | 2,908  |   |   |   | (8 | ) |   |   | 100 |   |   |   | (3 | ) |   |   | 3,008 |   |   |   | (11 | ) |
| Total                                                                                                                                                |   | $                   | 2,908  |   |   | $ | (8 | ) |   | $ | 200 |   |   | $ | (5 | ) |   | $ | 3,108 |   |   | $ | (13 | ) |

|                                                    |   | (Unaudited)   |      |   |     |   |
|---------------------------------------------------------|--------|---------------|-----------|--------|----------|--------|
|                                                    |   | September 30, |      |   | June 30, |   |
|                                                    |   | 2012          |      |   | 2012     |   |
| Retail consumer loans:                                  |   |          |      |   |     |   |
|   One to four family                          |   | $             | 611,470   |   |     | $      | 620,486 |   |
|   Home equity lines of credit                 |   |          | 139,766   |   |     |   | 143,052 |   |
|   Construction and land/lots                  |   |          | 52,150    |   |     |   | 53,572 |   |
|   Consumer                                    |   |          | 3,768     |   |     |   | 3,819 |   |
| Total retail consumer loans                             |   |          | 807,154   |   |     |   | 820,929 |   |
| Commercial loans:                                       |   |          |      |   |     |   |   |   |
|   Commercial real estate                      |   |          | 231,992   |   |     |   | 238,644 |   |
|   Construction and development                |   |          | 38,745    |   |     |   | 42,362 |   |
|   Commercial and industrial                   |   |          | 13,222    |   |     |   | 14,578 |   |
|   Municipal leases                            |   |          | 114,691   |   |     |   | 115,516 |   |
| Total commercial loans                                  |   |          | 398,650   |   |     |   | 411,100 |   |
| Total loans                                             |   |          | 1,205,804 |   |     |   | 1,232,029 |   |
|   Deferred loan fees, net                     |   |          | (1,696    | )      |     |   | (1,860 | ) |
|   Discount on loans from business combination |   |          | (1,087    | )      |     |   | (1,124 | ) |
| Total loans, net of deferred loan fees and discount     |   |          | 1,203,021 |   |     |   | 1,229,045 |   |
|   Allowance for loan and lease losses         |   |          | (35,887   | )      |     |   | (35,100 | ) |
| Loans, net                                              |   | $             | 1,167,134 |   |     | $      | 1,193,945 |   |

|                                     |   | Pass   |      |   | SpecialMention |   |   | Substandard |   |   | Doubtful |   |   | Loss   |   |   | Total  |   |
|------------------------------------------|--------|--------|-----------|--------|----------------|--------|--------|-------------|--------|--------|----------|--------|--------|--------|--------|--------|--------|--------|
| September 30, 2012 (Unaudited)           |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |
|   One to four family           |   | $      | 543,948   |   |           | $      | 9,201  |        |   | $      | 56,703   |   |   | $      | 1,598  |   |   | $      | 20 |   |   | $ | 611,470 |   |
|   Home equity lines of credit  |   |   | 131,605   |   |           |   | 1,319  |        |   |   | 5,636    |   |   |   | 1,204  |   |   |   | 2 |   |   |   | 139,766 |   |
|   Construction and land/lots   |   |   | 48,220    |   |           |   | 566    |        |   |   | 3,038    |   |   |   | 326    |   |   |   | - |   |   |   | 52,150 |   |
|   Consumer                     |   |   | 3,179     |   |           |   | 99     |        |   |   | 457      |   |   |   | 31     |   |   |   | 2 |   |   |   | 3,768 |   |
| Commercial loans:                        |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |   | 182,916   |   |           |   | 15,023 |        |   |   | 33,622   |   |   |   | 431    |   |   |   | - |   |   |   | 231,992 |   |
|   Construction and development |   |   | 19,461    |   |           |   | 5,742  |        |   |   | 13,259   |   |   |   | 282    |   |   |   | 1 |   |   |   | 38,745 |   |
|   Commercial and industrial    |   |   | 8,878     |   |           |   | 1,062  |        |   |   | 3,124    |   |   |   | 157    |   |   |   | 1 |   |   |   | 13,222 |   |
|   Municipal leases             |   |   | 113,015   |   |           |   | 918    |        |   |   | 758      |   |   |   | -      |   |   |   | - |   |   |   | 114,691 |   |
| Total loans                              |   | $      | 1,051,222 |   |           | $      | 33,930 |        |   | $      | 116,597  |   |   | $      | 4,029  |   |   | $      | 26 |   |   | $ | 1,205,804 |   |

|                                     |   | Pass   |      |   | SpecialMention |   |   | Substandard |   |   | Doubtful |   |   | Loss   |   |   | Total  |   |
|------------------------------------------|--------|--------|-----------|--------|----------------|--------|--------|-------------|--------|--------|----------|--------|--------|--------|--------|--------|--------|--------|
| June 30, 2012                            |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |
|   One to four family           |   | $      | 553,457   |   |           | $      | 9,305  |        |   | $      | 55,338   |   |   | $      | 2,366  |   |   | $      | 20 |   |   | $ | 620,486 |   |
|   Home equity lines of credit  |   |   | 134,959   |   |           |   | 1,267  |        |   |   | 5,620    |   |   |   | 1,204  |   |   |   | 2 |   |   |   | 143,052 |   |
|   Construction and land/lots   |   |   | 48,759    |   |           |   | 704    |        |   |   | 3,084    |   |   |   | 1,025  |   |   |   | - |   |   |   | 53,572 |   |
|   Consumer                     |   |   | 3,563     |   |           |   | 55     |        |   |   | 159      |   |   |   | 39     |   |   |   | 3 |   |   |   | 3,819 |   |
| Commercial loans:                        |   |   |      |   |           |   |   |        |   |   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |   | 195,372   |   |           |   | 16,291 |        |   |   | 25,958   |   |   |   | 1,023  |   |   |   | - |   |   |   | 238,644 |   |
|   Construction and development |   |   | 20,074    |   |           |   | 5,739  |        |   |   | 16,406   |   |   |   | 142    |   |   |   | 1 |   |   |   | 42,362 |   |
|   Commercial and industrial    |   |   | 9,818     |   |           |   | 1,073  |        |   |   | 3,527    |   |   |   | 157    |   |   |   | 3 |   |   |   | 14,578 |   |
|   Municipal leases             |   |   | 113,829   |   |           |   | 633    |        |   |   | 1,054    |   |   |   | -      |   |   |   | - |   |   |   | 115,516 |   |
| Total loans                              |   | $      | 1,079,831 |   |           | $      | 35,067 |        |   | $      | 111,146  |   |   | $      | 5,956  |   |   | $      | 29 |   |   | $ | 1,232,029 |   |

|                                     |   | Past Due   |   |   |     |   |   | Total  |   |
|------------------------------------------|--------|------------|--------|--------|----------|--------|--------|--------|--------|
|                                     |   | 30-89 Days |   |   | 90 Days+ |   |   | Total  |   |   | Current |   |   | Loans |   |
| September 30, 2012 (unaudited)           |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |
|   One to four family           |   | $          | 7,933  |   |     | $      | 13,968 |   |   | $ | 21,901 |   |   | $ | 589,569 |   |   | $ | 611,470 |   |
|   Home equity lines of credit  |   |       | 350    |   |     |   | 2,248  |   |   |   | 2,598 |   |   |   | 137,168 |   |   |   | 139,766 |   |
|   Construction and land/lots   |   |       | 611    |   |     |   | 1,241  |   |   |   | 1,852 |   |   |   | 50,298 |   |   |   | 52,150 |   |
|   Consumer                     |   |       | 4      |   |     |   | 77     |   |   |   | 81 |   |   |   | 3,687 |   |   |   | 3,768 |   |
| Commercial loans:                        |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |       | 2,179  |   |     |   | 6,790  |   |   |   | 8,969 |   |   |   | 223,023 |   |   |   | 231,992 |   |
|   Construction and development |   |       | 1,150  |   |     |   | 5,546  |   |   |   | 6,696 |   |   |   | 32,049 |   |   |   | 38,745 |   |
|   Commercial and industrial    |   |       | 131    |   |     |   | 288    |   |   |   | 419 |   |   |   | 12,803 |   |   |   | 13,222 |   |
|   Municipal leases             |   |       | -      |   |     |   | -      |   |   |   | - |   |   |   | 114,691 |   |   |   | 114,691 |   |
| Total loans                              |   | $          | 12,358 |   |     | $      | 30,158 |   |   | $ | 42,516 |   |   | $ | 1,163,288 |   |   | $ | 1,205,804 |   |

|                                     |   | Past Due   |   |   |     |   |   | Total  |   |
|------------------------------------------|--------|------------|--------|--------|----------|--------|--------|--------|--------|
|                                     |   | 30-89 Days |   |   | 90 Days+ |   |   | Total  |   |   | Current |   |   | Loans |   |
| June 30, 2012                            |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |
|   One to four family           |   | $          | 10,532 |   |     | $      | 11,629 |   |   | $ | 22,161 |   |   | $ | 598,325 |   |   | $ | 620,486 |   |
|   Home equity lines of credit  |   |       | 388    |   |     |   | 2,613  |   |   |   | 3,001 |   |   |   | 140,051 |   |   |   | 143,052 |   |
|   Construction and land/lots   |   |       | 789    |   |     |   | 1,405  |   |   |   | 2,194 |   |   |   | 51,378 |   |   |   | 53,572 |   |
|   Consumer                     |   |       | 54     |   |     |   | 35     |   |   |   | 89 |   |   |   | 3,730 |   |   |   | 3,819 |   |
| Commercial loans:                        |   |       |   |   |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |       | 4,188  |   |     |   | 6,071  |   |   |   | 10,259 |   |   |   | 228,385 |   |   |   | 238,644 |   |
|   Construction and development |   |       | 331    |   |     |   | 6,001  |   |   |   | 6,332 |   |   |   | 36,030 |   |   |   | 42,362 |   |
|   Commercial and industrial    |   |       | 155    |   |     |   | 266    |   |   |   | 421 |   |   |   | 14,157 |   |   |   | 14,578 |   |
|   Municipal leases             |   |       | -      |   |     |   | -      |   |   |   | - |   |   |   | 115,516 |   |   |   | 115,516 |   |
| Total loans                              |   | $          | 16,437 |   |     | $      | 28,020 |   |   | $ | 44,457 |   |   | $ | 1,187,572 |   |   | $ | 1,232,029 |   |

|                                     |   | September 30, 2012 (unaudited) |   |   | June 30, 2012                 |   |
|------------------------------------------|--------|--------------------------------|--------|--------|-------------------------------|--------|
|                                     |   | Nonaccruing                    |   |   | 90 Days + &still accruing |   |   | Nonaccruing |   |   | 90 Days + &still accruing |   |
| Retail consumer loans:              |   |                           |   |   |                          |   |   |   |   |   |   |   |
|   One to four family           |   | $                              | 29,350 |   |                          | $      | - |   |   | $ | 27,659 |   |   | $ | - |   |
|   Home equity lines of credit  |   |                           | 4,476  |   |                          |   | - |   |   |   | 4,781 |   |   |   | - |   |
|   Construction and land/lots   |   |                           | 3,064  |   |                          |   | - |   |   |   | 3,437 |   |   |   | - |   |
|   Consumer                     |   |                           | 80     |   |                          |   | - |   |   |   | 76 |   |   |   | - |   |
| Commercial loans:                        |   |                           |   |   |                          |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |                           | 21,486 |   |                          |   | - |   |   |   | 15,008 |   |   |   | - |   |
|   Construction and development |   |                           | 10,582 |   |                          |   | - |   |   |   | 12,583 |   |   |   | - |   |
|   Commercial and industrial    |   |                           | 689    |   |                          |   | - |   |   |   | 637 |   |   |   | - |   |
|   Municipal leases             |   |                           | -      |   |                          |   | - |   |   |   | - |   |   |   | - |   |
| Total loans                              |   | $                              | 69,727 |   |                          | $      | - |   |   | $ | 64,181 |   |   | $ | - |   |

|                                                     |   | (Unaudited)September 30,2012 |   | June 30,2012 |   |
|----------------------------------------------------------|--------|------------------------------|--------|--------------|--------|
| Performing restructured loans included in impaired loans |   | $                            | 17,628 |         |   | $ | 20,588 |   |

|                           |   | (Unaudited)Three Months Ended September 30, 2012 |   | (Unaudited)Three Months Ended September 30, 2011 |       |
|--------------------------------|--------|--------------------------------------------------|--------|--------------------------------------------------|------------|
|                           |   | Retail                                           |   |                                             |       |   |   |   |   | RetailConsumer |   | Commercial |   | Total |   |
|                           |   | Consumer                                         |   |                                             | Commercial |   |   | Total |   |
| Balance at beginning of period |   | $                                                | 21,172 |                                             |       | $ | 13,928 |   |   | $ | 35,100 |   |   | $ | 26,629 |   |   | $ | 23,511 |   |   | $ | 50,140 |   |
| Provision for loan losses      |   |                                             | 689    |                                             |       |   | 811 |   |   |   | 1,500 |   |   |   | 1,831 |   |   |   | 3,469 |   |   |   | 5,300 |   |
| Charge-offs                    |   |                                             | (611   | )                                                |       |   | (718 | ) |   |   | (1,329 | ) |   |   | (8,699 | ) |   |   | (6,292 | ) |   |   | (14,991 | ) |
| Recoveries                     |   |                                             | 124    |                                             |       |   | 492 |   |   |   | 616 |   |   |   | 57 |   |   |   | 1 |   |   |   | 58 |   |
| Balance at end of period       |   | $                                                | 21,374 |                                             |       | $ | 14,513 |   |   | $ | 35,887 |   |   | $ | 19,818 |   |   | $ | 20,689 |   |   | $ | 40,507 |   |

|                                     |   | Allowance for Loan Losses                |   |   | Total Loans Receivable     |   |
|------------------------------------------|--------|------------------------------------------|--------|--------|----------------------------|--------|
|                                     |   | Loansindividuallyevaluated forimpairment |   |   | LoansCollectivelyEvaluated |   |   | Total |   |   | Loansindividuallyevaluated forimpairment |   |   | LoansCollectivelyEvaluated |   |   | Total |   |
| September 30, 2012 (unaudited)           |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One- to four-family          |   | $                                        | 425    |   |                       | $      | 14,211 |   |   | $ | 14,636 |   |   | $ | 35,863 |   |   | $ | 575,607 |   |   | $ | 611,470 |   |
|   Home equity                  |   |                                     | 207    |   |                       |   | 3,389 |   |   |   | 3,596 |   |   |   | 4,566 |   |   |   | 135,200 |   |   |   | 139,766 |   |
|   Construction and land/lots   |   |                                     | 9      |   |                       |   | 3,002 |   |   |   | 3,011 |   |   |   | 3,002 |   |   |   | 49,148 |   |   |   | 52,150 |   |
|   Consumer                     |   |                                     | 2      |   |                       |   | 128 |   |   |   | 130 |   |   |   | 3 |   |   |   | 3,765 |   |   |   | 3,768 |   |
| Commercial loans:                        |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |                                     | 1,313  |   |                       |   | 5,983 |   |   |   | 7,296 |   |   |   | 26,545 |   |   |   | 205,447 |   |   |   | 231,992 |   |
|   Construction and development |   |                                     | 100    |   |                       |   | 5,817 |   |   |   | 5,917 |   |   |   | 11,354 |   |   |   | 27,391 |   |   |   | 38,745 |   |
|   Commercial and industrial    |   |                                     | 109    |   |                       |   | 188 |   |   |   | 297 |   |   |   | 2,705 |   |   |   | 10,517 |   |   |   | 13,222 |   |
|   Municipal leases             |   |                                     | -      |   |                       |   | 1,004 |   |   |   | 1,004 |   |   |   | - |   |   |   | 114,691 |   |   |   | 114,691 |   |
|     Total            |   | $                                        | 2,165  |   |                       | $      | 33,722 |   |   | $ | 35,887 |   |   | $ | 84,038 |   |   | $ | 1,121,766 |   |   | $ | 1,205,804 |   |
|                                     |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| June 30, 2012                            |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                   |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One- to four-family          |   | $                                        | 596    |   |                       | $      | 13,961 |   |   | $ | 14,557 |   |   | $ | 36,011 |   |   | $ | 584,475 |   |   | $ | 620,486 |   |
|   Home equity                  |   |                                     | 238    |   |                       |   | 3,293 |   |   |   | 3,531 |   |   |   | 4,382 |   |   |   | 138,670 |   |   |   | 143,052 |   |
|   Construction and land/lots   |   |                                     | 68     |   |                       |   | 2,887 |   |   |   | 2,955 |   |   |   | 3,772 |   |   |   | 49,800 |   |   |   | 53,572 |   |
|   Consumer                     |   |                                     | 2      |   |                       |   | 127 |   |   |   | 129 |   |   |   | 3 |   |   |   | 3,816 |   |   |   | 3,819 |   |
| Commercial loans:                        |   |                                     |   |   |                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |                                     | 407    |   |                       |   | 6,047 |   |   |   | 6,454 |   |   |   | 20,266 |   |   |   | 218,378 |   |   |   | 238,644 |   |
|   Construction and development |   |                                     | 154    |   |                       |   | 6,099 |   |   |   | 6,253 |   |   |   | 14,389 |   |   |   | 27,973 |   |   |   | 42,362 |   |
|   Commercial and industrial    |   |                                     | 111    |   |                       |   | 204 |   |   |   | 315 |   |   |   | 2,965 |   |   |   | 11,613 |   |   |   | 14,578 |   |
|   Municipal leases             |   |                                     | -      |   |                       |   | 906 |   |   |   | 906 |   |   |   | - |   |   |   | 115,516 |   |   |   | 115,516 |   |
|     Total            |   | $                                        | 1,576  |   |                       | $      | 33,524 |   |   | $ | 35,100 |   |   | $ | 81,788 |   |   | $ | 1,150,241 |   |   | $ | 1,232,029 |   |

|                                         |   | Total Impaired Loans    |   |
|----------------------------------------------|--------|-------------------------|--------|
|                                         |   | With aRecordedAllowance |   |   | With NoRecordedAllowance |   |   | Total |   |   | RelatedRecordedAllowance |   |
| September 30, 2012 (unaudited)               |   |                    |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                       |   |                    |   |   |   |   |   |   |   |   |   |   |
|   One to four family               |   | $                       | 8,065  |   |   | $ | 33,123 |   |   | $ | 41,188 |   |   | $ | 524 |   |
|   Home equity lines of credit      |   |                    | 960    |   |   |   | 4,312 |   |   |   | 5,272 |   |   |   | 222 |   |
|   Construction and land/lots       |   |                    | 223    |   |   |   | 2,956 |   |   |   | 3,179 |   |   |   | 20 |   |
|   Consumer                         |   |                    | 78     |   |   |   | 2 |   |   |   | 80 |   |   |   | 2 |   |
| Commercial loans:                            |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate           |   |                    | 7,823  |   |   |   | 19,370 |   |   |   | 27,193 |   |   |   | 1,330 |   |
|   Construction and development     |   |                    | 1,259  |   |   |   | 10,772 |   |   |   | 12,031 |   |   |   | 231 |   |
|   Commercial and industrial        |   |                    | 551    |   |   |   | 2,524 |   |   |   | 3,075 |   |   |   | 114 |   |
|   Municipal leases                 |   |                    | -      |   |   |   | - |   |   |   | - |   |   |   | - |   |
|     Total impaired loans |   | $                       | 18,959 |   |   | $ | 73,059 |   |   | $ | 92,018 |   |   | $ | 2,443 |   |
|                                         |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| June 30, 2012                                |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer loans:                       |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One to four family               |   | $                       | 7,787  |   |   | $ | 32,802 |   |   | $ | 40,589 |   |   | $ | 685 |   |
|   Home equity lines of credit      |   |                    | 1,163  |   |   |   | 4,093 |   |   |   | 5,256 |   |   |   | 256 |   |
|   Construction and land/lots       |   |                    | 462    |   |   |   | 3,440 |   |   |   | 3,902 |   |   |   | 75 |   |
|   Consumer                         |   |                    | 73     |   |   |   | 3 |   |   |   | 76 |   |   |   | 4 |   |
| Commercial loans:                            |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate           |   |                    | 2,281  |   |   |   | 18,214 |   |   |   | 20,495 |   |   |   | 413 |   |
|   Construction and development     |   |                    | 1,616  |   |   |   | 13,461 |   |   |   | 15,077 |   |   |   | 289 |   |
|   Commercial and industrial        |   |                    | 501    |   |   |   | 2,779 |   |   |   | 3,280 |   |   |   | 115 |   |
|   Municipal leases                 |   |                    | -      |   |   |   | - |   |   |   | - |   |   |   | - |   |
|     Total impaired loans |   | $                       | 13,883 |   |   | $ | 74,792 |   |   | $ | 88,675 |   |   | $ | 1,837 |   |

|                                     |   | September 30, 2012 (Unaudited) |   |   | June 30, 2012          |   |
|------------------------------------------|--------|--------------------------------|--------|--------|------------------------|--------|
|                                     |   | AverageRecordedInvestment      |   |   | UnpaidPrincipalBalance |   |   | InterestIncomeRecognized |   |   | AverageRecordedInvestment |   |   | UnpaidPrincipalBalance |   |   | InterestIncomeRecognized |   |
| Retail consumer loans:                   |   |                           |   |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   One to four family           |   | $                              | 42,314 |   |                   | $      | 40,568 |   |   | $ | 426 |   |   | $ | 42,829 |   |   | $ | 41,006 |   |   | $ | 1,799 |   |
|   Home equity lines of credit  |   |                           | 5,216  |   |                   |   | 8,493 |   |   |   | 36 |   |   |   | 5,531 |   |   |   | 8,329 |   |   |   | 208 |   |
|   Construction and land/lots   |   |                           | 4,190  |   |                   |   | 7,057 |   |   |   | 36 |   |   |   | 4,926 |   |   |   | 8,244 |   |   |   | 253 |   |
|   Consumer                     |   |                           | 59     |   |                   |   | 97 |   |   |   | 1 |   |   |   | 48 |   |   |   | 98 |   |   |   | 1 |   |
| Commercial loans:                        |   |                           |   |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Commercial real estate       |   |                           | 22,262 |   |                   |   | 34,200 |   |   |   | 412 |   |   |   | 21,249 |   |   |   | 25,679 |   |   |   | 1,184 |   |
|   Construction and development |   |                           | 21,052 |   |                   |   | 19,090 |   |   |   | 142 |   |   |   | 26,994 |   |   |   | 23,070 |   |   |   | 763 |   |
|   Commercial and industrial    |   |                           | 3,184  |   |                   |   | 4,315 |   |   |   | 42 |   |   |   | 3,138 |   |   |   | 4,535 |   |   |   | 218 |   |
|   Municipal leases             |   |                           | 389    |   |                   |   | - |   |   |   | - |   |   |   | 531 |   |   |   | - |   |   |   | - |   |
| Total loans                              |   | $                              | 98,666 |   |                   | $      | 113,820 |   |   | $ | 1,095 |   |   | $ | 105,246 |   |   | $ | 110,961 |   |   | $ | 4,426 |   |

|                        |   | Three Months EndedSeptember 30, 2012 (Unaudited) |   |   | Three Months EndedSeptember 30, 2011 (Unaudited) |   |
|-----------------------------|--------|--------------------------------------------------|--------|--------|--------------------------------------------------|--------|
|                        |   | Number of Loans                                  |   |   | Pre Modification Outstanding Recorded Investment |   |   | Post Modification Outstanding Recorded Investment |   |   | Number of Loans |   |   | Pre Modification Outstanding Recorded Investment |   |   | Post Modification Outstanding Recorded Investment |   |
| Below market interest rate: |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer:            |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |
| One to four family          |   |                                             | 2      |   |                                             | $      | 171 |   |   | $ | 170 |   |   |   | 9 |   |   | $ | 2,543 |   |   | $ | 2,543 |   |
| Commercial:                 |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial real estate      |   |                                             | 1      |   |                                             |   | 236 |   |   |   | 236 |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Total                       |   |                                             | 3      |   |                                             | $      | 407 |   |   | $ | 406 |   |   |   | 9 |   |   | $ | 2,543 |   |   | $ | 2,543 |   |
|                        |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Extended payment terms:     |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer:            |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| One to four family          |   |                                             | -      |   |                                             | $      | - |   |   | $ | - |   |   |   | 12 |   |   | $ | 2,336 |   |   | $ | 2,202 |   |
| Construction and land/lots  |   |                                             | -      |   |                                             |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 158 |   |   |   | 158 |   |
| Commercial:                 |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial real estate      |   |                                             | -      |   |                                             |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 8 |   |   |   | 8 |   |
| Commercial and industrial   |   |                                             | -      |   |                                             |   | - |   |   |   | - |   |   |   | 1 |   |   |   | 86 |   |   |   | 86 |   |
| Total                       |   |                                             | -      |   |                                             | $      | - |   |   | $ | - |   |   |   | 15 |   |   | $ | 2,588 |   |   | $ | 2,454 |   |
|                        |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other TDRs:                 |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Retail consumer:            |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| One to four family          |   |                                             | -      |   |                                             | $      | - |   |   | $ | - |   |   |   | 2 |   |   |   | 276 |   |   |   | 276 |   |
| Commercial:                 |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial real estate      |   |                                             | -      |   |                                             |   | - |   |   |   | - |   |   |   | 2 |   |   |   | 767 |   |   |   | 767 |   |
| Total                       |   |                                             | -      |   |                                             | $      | - |   |   | $ | - |   |   |   | 4 |   |   | $ | 1,043 |   |   | $ | 1,043 |   |
|                        |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                       |   |                                             | 3      |   |                                             | $      | 407 |   |   | $ | 406 |   |   |   | 28 |   |   | $ | 6,174 |   |   | $ | 6,040 |   |
|                        |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                        |   |                                             |   |   |                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                  |   | Three Months Ended             |   |   | Three Months Ended             |   |
|-------------------------------------------------------|--------|--------------------------------|--------|--------|--------------------------------|--------|
|                                                  |   | September 30, 2012 (Unaudited) |   |   | September 30, 2011 (Unaudited) |   |
|                                                  |   | Number of                      |   |   | Recorded                       |   |   | Number of |   |   | Recorded |   |
|                                                  |   | Loans                          |   |   | Investment                     |   |   | Loans |   |   | Investment |   |
| Below market interest rate:                           |   |                           |   |   |                           |   |   |   |   |   |   |   |
|   Retail consumer:                          |   |                           |   |   |                           |   |   |   |   |   |   |   |
|     One to four family            |   |                           | 2      |   |                           | $      | 1,590 |   |   |   | 1 |   |   | $ | 275 |   |
|     Home equity lines of credit   |   |                           | -      |   |                           |   | - |   |   |   | 1 |   |   |   | 911 |   |
|         Total |   |                           | 2      |   |                           | $      | 1,590 |   |   |   | 2 |   |   | $ | 1,186 |   |
|                                                  |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Extended payment terms:                               |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|   Retail consumer:                          |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|     One to four family            |   |                           | 2      |   |                           | $      | 106 |   |   |   | 6 |   |   | $ | 386 |   |
|     Construction and land/lots    |   |                           | -      |   |                           |   | - |   |   |   | 1 |   |   |   | 346 |   |
|   Commercial:                               |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|     Commercial real estate        |   |                           | -      |   |                           |   | - |   |   |   | 3 |   |   |   | 914 |   |
|     Construction and development  |   |                           | -      |   |                           |   | - |   |   |   | 1 |   |   |   | 293 |   |
|         Total |   |                           | 2      |   |                           | $      | 106 |   |   |   | 11 |   |   | $ | 1,939 |   |
|                                                  |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Other TDRs:                                           |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|   Retail consumer:                          |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|     One to four family            |   |                           | -      |   |                           | $      | - |   |   |   | 1 |   |   | $ | 227 |   |
|   Commercial:                               |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|     Commercial real estate        |   |                           | 1      |   |                           |   | 247 |   |   |   | - |   |   |   | - |   |
|         Total |   |                           | 1      |   |                           | $      | 247 |   |   |   | 1 |   |   | $ | 227 |   |
|                                                  |   |                           |   |   |                           |   |   |   |   |   |   |   |   |   |   |   |
|         Total |   |                           | 5      |   |                           | $      | 1,943 |   |   |   | 14 |   |   | $ | 3,352 |   |

| 4.   | Employee Stock Ownership Plan |
|----------------|-------------------------------|

|                                  |   | September 30, |      |
|---------------------------------------|--------|---------------|-----------|
|                                  |   | 2012          |      |
| Unallocated ESOP shares               |   |          | 1,044,775 |   |
| ESOP shares committed to be released  |   |          | 13,225    |   |
| Total ESOP shares                     |   |          | 1,058,000 |   |
| Fair value of unallocated ESOP shares |   | $             | 13,843    |   |

| 5.   |   Commitments and Contingencies |
|----------------|-------------------------------------------|

| 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 at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. |
|----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                                                                                                             | September 30, 2012 (Unaudited) |   |
|----------------------------------------------------------------------------------------------------------------------------------|--------------------------------|--------|
| Description                                                                                                                      | Total                          |   | Level 1 |   | Level 2 |   | Level 3 |   |
| U.S Government Agencies                                                                                                          |                           | $      | 5,999 |   |   | $ | - |   |   | $ | 5,999 |   |   | $ | - |   |
| Residential Mortgage-backed Securities of    U.S. Government Agencies and Government   sponsored Enterprises |                           |   | 24,535 |   |   |   | - |   |   |   | 24,535 |   |   |   | - |   |
| Total                                                                                                                            |                           | $      | 30,534 |   |   | $ | - |   |   | $ | 30,534 |   |   | $ | - |   |

|                                                                                                                             | June 30, 2012 |   |
|----------------------------------------------------------------------------------------------------------------------------------|---------------|--------|
| Description                                                                                                                      | Total         |   | Level 1 |   | Level 2 |   | Level 3 |   |
| U.S Government Agencies                                                                                                          |          | $      | 6,102 |   |   | $ | - |   |   | $ | 6,102 |   |   | $ | - |   |
| Residential Mortgage-backed Securities of    U.S. Government Agencies and Government   sponsored Enterprises |          |   | 25,233 |   |   |   | - |   |   |   | 25,233 |   |   |   | - |   |
| Total                                                                                                                            |          | $      | 31,335 |   |   | $ | - |   |   | $ | 31,335 |   |   | $ | - |   |

|                    |   | Three Months Ended September 30, 2012 (Unaudited) |   |
|-------------------------|--------|---------------------------------------------------|--------|
| Description             |   | Total                                             |   |   | Level 1 |   |   | Level 2 |   |   | Level 3 |   |
| Impaired Loans          |   | $                                                 | 3,298  |   |   | $ | - |   |   | $ | - |   |   | $ | 3,298 |   |
| Other real estate owned |   |                                              | 791    |   |   |   | - |   |   |   | - |   |   |   | 791 |   |
| Total                   |   | $                                                 | 4,089  |   |   | $ | - |   |   | $ | - |   |   | $ | 4,089 |   |

|                    |   | Year Ended June 30, 2012 |   |
|-------------------------|--------|--------------------------|--------|
| Description             |   | Total                    |   |   | Level 1 |   |   | Level 2 |   |   | Level 3 |   |
| Impaired Loans          |   | $                        | 30,585 |   |   | $ | - |   |   | $ | - |   |   | $ | 30,585 |   |
| Other real estate owned |   |                     | 12,093 |   |   |   | - |   |   |   | - |   |   |   | 12,093 |   |
| Total                   |   | $                        | 42,678 |   |   | $ | - |   |   | $ | - |   |   | $ | 42,678 |   |

|                                |   | Fair Value at      |   | Valuation  | Unobservable          |                 |   |   |
|-------------------------------------|--------|--------------------|--------|------------|-----------------------|----------------------|--------|--------|
|                                |   | September 30, 2012 |   | Techniques | Input                 |                 | Range  |   |
| Nonrecurring measurements:          |   |               |   |       |                  |                 |   |   |
|   Impaired loans, net     |   | $                  | 3,298  |       | Discounted Appraisals | Collateral discounts |   |   | 5% - 40 | % |
|   Other real estate owned |   |               | 791    |       | Discounted Appraisals | Collateral discounts |   |   | 10% - 15 | % |

|                                   |   | September 30, 2012 (Unaudited) |      |
|----------------------------------------|--------|--------------------------------|-----------|
|                                   |   | CarryingValue                  |      |   | FairValue |   |   | Level 1 |   |   | Level 2 |   |   | Level 3 |   |
| Cash and interest-bearing deposits     |   | $                              | 117,717   |   |   | $ | 117,717 |   |   | $ | 117,717 |   |   | $ | - |   |   | $ | - |   |
| Certificates of deposit in other banks |   |                           | 122,245   |   |   |   | 122,245 |   |   |   | - |   |   |   | 122,245 |   |   |   | - |   |
| Securities available for sale          |   |                           | 30,534    |   |   |   | 30,534 |   |   |   | - |   |   |   | 30,534 |   |   |   | - |   |
| Loans, net                             |   |                           | 1,167,134 |   |   |   |  1,103,680 |   |   |   | - |   |   |   |  1,050,927 |   |   |   |  52,753 |   |
| Loans held for sale                    |   |                           | 19,120    |   |   |   | 19,407 |   |   |   | - |   |   |   | 19,407 |   |   |   | - |   |
| Federal Home Loan Bank stock           |   |                           | 3,047     |   |   |   | 3,047 |   |   |   | 3,047 |   |   |   | - |   |   |   | - |   |
| Accrued interest receivable            |   |                           | 6,206     |   |   |   | 6,206 |   |   |   | - |   |   |   | 6,206 |   |   |   | - |   |
| Noninterest-bearing and NOW deposits   |   |                           | 239,329   |   |   |   | 239,329 |   |   |   | - |   |   |   | 239,329 |   |   |   | - |   |
| Money market accounts                  |   |                           | 259,844   |   |   |   | 259,844 |   |   |   | - |   |   |   | 259,844 |   |   |   | - |   |
| Savings accounts                       |   |                           | 77,133    |   |   |   | 77,133 |   |   |   | - |   |   |   | 77,133 |   |   |   | - |   |
| Certificates of deposit                |   |                           | 584,003   |   |   |   |  587,810 |   |   |   | - |   |   |   |  587,810 |   |   |   | - |   |
| Other borrowings                       |   |                           | 14,225    |   |   |   |  15,519 |   |   |   | - |   |   |   |  15,519 |   |   |   | - |   |
| Accrued interest payable               |   |                           | 166       |   |   |   |  166 |   |   |   | - |   |   |   | 166 |   |   |   | - |   |

|                                   |   | June 30, 2012 |      |
|----------------------------------------|--------|---------------|-----------|
|                                   |   | CarryingValue |      |   | FairValue |   |   | Level 1 |   |   | Level 2 |   |   | Level 3 |   |
| Cash and interest-bearing deposits     |   | $             | 224,801   |   |   | $ | 224,801 |   |   | $ | 224,801 |   |   | $ | - |   |   | $ | - |   |
| Certificates of deposit in other banks |   |          | 108,010   |   |   |   | 108,010 |   |   |   | - |   |   |   | 108,010 |   |   |   | - |   |
| Securities available for sale          |   |          | 31,335    |   |   |   | 31,335 |   |   |   | - |   |   |   | 31,335 |   |   |   | - |   |
| Loans, net                             |   |          | 1,204,732 |   |   |   | 1,155,429 |   |   |   | - |   |   |   | 1,105,974 |   |   |   | 49,455 |   |
| Loans held for sale                    |   |          | 10,787    |   |   |   | 10,949 |   |   |   | - |   |   |   | 10,949 |   |   |   | - |   |
| Federal Home Loan Bank stock           |   |          | 6,300     |   |   |   | 6,300 |   |   |   | 6,300 |   |   |   | - |   |   |   | - |   |
| Accrued interest receivable            |   |          | 6,008     |   |   |   | 6,008 |   |   |   | - |   |   |   | 6,008 |   |   |   | - |   |
| Noninterest-bearing and NOW deposits   |   |          | 230,683   |   |   |   | 230,683 |   |   |   | - |   |   |   | 230,683 |   |   |   | - |   |
| Money market accounts                  |   |          | 257,865   |   |   |   | 257,865 |   |   |   | - |   |   |   | 257,865 |   |   |   | - |   |
| Savings accounts                       |   |          | 347,669   |   |   |   | 347,669 |   |   |   | - |   |   |   | 347,669 |   |   |   | - |   |
| Certificates of deposit                |   |          | 629,958   |   |   |   | 634,379 |   |   |   | - |   |   |   | 634,379 |   |   |   | - |   |
| Other borrowings                       |   |          | 22,265    |   |   |   | 24,998 |   |   |   | - |   |   |   | 24,998 |   |   |   | - |   |
| Accrued interest payable               |   |          | 242       |   |   |   | 242 |   |   |   | - |   |   |   | 242 |   |   |   | - |   |

| Item 2.  Management's Discussion and Analysis of Financial Condition and Results of Operations |
|----------------------------------------------------------------------------------------------------------|

|                                                                                                                                                                                                                                                                                                                                 |   | For the Three Months Ended September 30, |      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------|-----------|
|                                                                                                                                                                                                                                                                                                                                 |   | 2012                                     |      |   | 2011 |   |
|                                                                                                                                                                                                                                                                                                                                 |   | AverageBalanceOutstanding                |      |   | InterestEarned/Paid(2) |   |   | Yield/Rate(2) |   |   | AverageBalanceOutstanding |   |   | InterestEarned/Paid(2) |   |   | Yield/Rate(2) |   |
|                                                                                                                                                                                                                                                                                                                                 |   | (Dollars in thousands)                   |      |
| Interest-earning assets:                                                                                                                                                                                                                                                                                                             |   |                                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Loans receivable (1)                                                                                         |   | $                                        | 1,237,419 |   |   | $ | 16,052 |   |   |   | 5.19 | % |   | $ | 1,326,897 |   |   | $ | 17,770 |   |   |   | 5.36 | % |
|  Deposits in other financial   institutions                                                    |   |                                     | 229,419   |   |   |   | 380 |   |   |   | 0.66 | % |   |   | 138,785 |   |   |   | 163 |   |   |   | 0.47 | % |
|  Investment securities                                                                                        |   |                                     | 31,237    |   |   |   | 96 |   |   |   | 1.23 | % |   |   | 49,562 |   |   |   | 124 |   |   |   | 1.00 | % |
|  Other                                                                                                        |   |                                     | 15,646    |   |   |   | 36 |   |   |   | 0.92 | % |   |   | 9,303 |   |   |   | 18 |   |   |   | 0.77 | % |
|   Total interest-earning assets                                                                                                                                                                                                                                                                                            |   |                                     | 1,513,721 |   |   |   | 16,564 |   |   |   | 4.38 | % |   |   | 1,524,547 |   |   |   | 18,075 |   |   |   | 4.74 | % |
|                                                                                                                                                                                                                                                                                                                                 |   |                                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                                                                                                                                                                                                                                                        |   |                                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Interest-bearing checking accounts                                                                                                                                                                                                                                                                                             |   |                                     | 170,935   |   |   |   | 57 |   |   |   | 0.13 | % |   |   | 155,378 |   |   |   | 78 |   |   |   | 0.20 | % |
|  Money market accounts                                                                                        |   |                                     | 257,981   |   |   |   | 245 |   |   |   | 0.38 | % |   |   | 250,733 |   |   |   | 414 |   |   |   | 0.66 | % |
|  Savings accounts                                                                                             |   |                                     | 121,737   |   |   |   | 70 |   |   |   | 0.23 | % |   |   | 76,289 |   |   |   | 100 |   |   |   | 0.52 | % |
|  Certificate accounts                                                                                         |   |                                     | 598,930   |   |   |   | 1,648 |   |   |   | 1.10 | % |   |   | 760,948 |   |   |   | 2,397 |   |   |   | 1.26 | % |
|  Borrowings                                                                                                   |   |                                     | 21,682    |   |   |   | 189 |   |   |   | 3.49 | % |   |   | 99,403 |   |   |   | 390 |   |   |   | 1.57 | % |
|   Total interest-bearing liabilities                                                                                                                                                                                                                                                                                       |   |                                     | 1,171,265 |   |   |   | 2,209 |   |   |   | 0.75 | % |   |   | 1,342,751 |   |   |   | 3,379 |   |   |   | 1.00 | % |
|                                                                                                                                                                                                                                                                                                                                 |   |                                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Tax-equivalent net interest income                                                                                                                                                                                                                                                                                             |   |                                     |      |   |   | $ | 14,355 |   |   |   |   |   |   |   |   |   |   | $ | 14,696 |   |   |   |   |   |
|  Tax-equivalent interest rate spread                                                                                                                                                                                                                                                                                            |   |                                     |      |   |   |   |   |   |   |   | 3.63 | % |   |   |   |   |   |   |   |   |   |   | 3.74 | % |
|  Net earning assets                                                                                           |   | $                                        | 342,456   |   |   |   |   |   |   |   |   |   |   | $ | 181,796 |   |   |   |   |   |   |   |   |   |
|  Tax-equivalent yield on average  interest-earning assets                                           |   |                                     |      |   |   |   |   |   |   |   | 3.79 | % |   |   |   |   |   |   |   |   |   |   | 3.86 | % |
|                                                                                                                                                                                                                                                                                                                                 |   |                                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Average interest-earning assets to average interest-bearing liabilities                                                                                                                                                                                                                                                   |   |                                     | 129.24    | % |   |   |   |   |   |   |   |   |   |   | 113.54 | % |   |   |   |   |   |   |   |   |

|                                                       |   | Three Months Ended September 30, 2012 |   |
|------------------------------------------------------------|--------|---------------------------------------|--------|
|                                                       |   | Compared to                           |   |
|                                                       |   | Three Months Ended September 30, 2011 |   |
|                                                       |   | Increase/                             |   |   |   |   |
|                                                       |   | (decrease)                            |   |   | Total |   |
|                                                       |   | due to                                |   |   | increase/ |   |
|                                                       |   | Volume                                |   |   | Rate |   |   | (decrease) |   |
|                                                       |   |                                  |   |   |   |   |   |   |   |
| Interest-earning assets:                                   |   |                                  |   |   |   |   |   |   |   |
|  Loans receivable                                     |   | $                                     | (1,198 | ) |   | $ | (520 | ) |   | $ | (1,718 | ) |
|  Deposits in other financial institutions             |   |                                  | 106    |   |   |   | 111 |   |   |   | 217 |   |
|  Investment securities                                |   |                                  | (46    | ) |   |   | 18 |   |   |   | (28 | ) |
|  Other                                                |   |                                  | 12     |   |   |   | 6 |   |   |   | 18 |   |
|                                                       |   |                                  |   |   |   |   |   |   |   |   |   |   |
|     Total interest-earning assets      |   | $                                     | (1,126 | ) |   | $ | (385 | ) |   | $ | (1,511 | ) |
|                                                       |   |                                  |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                              |   |                                  |   |   |   |   |   |   |   |   |   |   |
|  Interest-bearing checking accounts                   |   | $                                     | 8      |   |   | $ | (29 | ) |   | $ | (21 | ) |
|  Money market accounts                                |   |                                  | 12     |   |   |   | (181 | ) |   |   | (169 | ) |
|  Savings accounts                                     |   |                                  | 60     |   |   |   | (90 | ) |   |   | (30 | ) |
|  Certificate accounts                                 |   |                                  | (510   | ) |   |   | (239 | ) |   |   | (749 | ) |
|  Borrowings                                           |   |                                  | (305   | ) |   |   | 104 |   |   |   | (201 | ) |
|                                                       |   |                                  |   |   |   |   |   |   |   |   |   |   |
|     Total interest-bearing liabilities |   | $                                     | (735   | ) |   | $ | (435 | ) |   | $ | (1,170 | ) |
|                                                       |   |                                  |   |   |   |   |   |   |   |   |   |   |
| Net decrease in tax equivalent interest income             |   |                                  |   |   |   |   |   |   |   | $ | (341 | ) |

| Commitments to make loans                                                            |   | $      | 48.7  |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-------|--------|
| Unused lines of credit                                                               |   |   | 154.3 |   |
| Total loan commitments                                                               |   | $      | 203.0 |   |

|                                               |   |   |    |   | Regulatory Requirements |   |
|----------------------------------------------------|--------|--------|---------|--------|-------------------------|--------|
|                                               |   |   |    |   | Minimum for Capital     |   |   | Minimum to Be |   |
|                                               |   | Actual |    |   | Adequacy Purposes       |   |   | Well Capitalized |   |
|                                               |   | Amount |    |   | Ratio                   |   |   | Amount |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
| (unaudited)                                        |   |   |    |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of September 30, 2012:                          |   |   |    |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tier I Capital (to Total Adjusted Assets)          |   | $      | 217,081 |   |                    |   | 14.39 | % |   | $ | 60,340 |   |   |   | 4.00 | % |   | $ | 75,425 |   |   |   | 5.00 | % |
| Tier I Capital (to Risk-weighted Assets)           |   | $      | 217,081 |   |                    |   | 20.56 | % |   | $ | 42,242 |   |   |   | 4.00 | % |   | $ | 63,364 |   |   |   | 6.00 | % |
| Total Risk-based Capital (to Risk-weighted Assets) |   | $      | 230,566 |   |                    |   | 21.83 | % |   | $ | 84,485 |   |   |   | 8.00 | % |   | $ | 105,606 |   |   |   | 10.00 | % |
|                                               |   |   |    |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of June 30, 2012:                               |   |   |    |   |                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tier I Capital (to Total Adjusted Assets)          |   | $      | 122,273 |   |                    |   | 7.32 | % |   | $ | 66,801 |   |   |   | 4.00 | % |   | $ | 83,502 |   |   |   | 5.00 | % |
| Tier I Capital (to Risk-weighted Assets)           |   | $      | 122,273 |   |                    |   | 11.18 | % |   | $ | 43,756 |   |   |   | 4.00 | % |   | $ | 65,634 |   |   |   | 6.00 | % |
| Total Risk-based Capital (to Risk-weighted Assets) |   | $      | 136,216 |   |                    |   | 12.45 | % |   | $ | 87,512 |   |   |   | 8.00 | % |   | $ | 109,390 |   |   |   | 10.00 | % |

|   | PART II.  OTHER INFORMATION |
|--------|---------------------------------------|

|                               | HomeTrust Bancshares, Inc. |
|------------------------------------|----------------------------|
|                               |                       |   |
|                               |                       |   |
| Date:  November 14, 2012 | By:                        | /s/ F. Edward Broadwell |
|                               |                       | F. Edward Broadwell, |
|                               |                       | Chairman and Chief Executive Officer |
|                               |                       | (Duly Authorized Officer) |
|                               |                       |   |
| Date:  November 14, 2012 | By:                        | /s/ Tony J. VunCannon |
|                               |                       | Tony J. VunCannon |
|                               |                       | Senior Vice President, |
|                               |                       | Chief Financial Officer and Treasurer |
|                               |                       | (Principal Financial and Accounting Officer) |

| Regulation S-K Exhibit Number | Document                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Reference to Prior Filing or Exhibit Number Attached Hereto |
|-------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------|
|                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                        |
| 3.1                           | Charter of HomeTrust Bancshares, Inc.                                                                                                                                  | *                                                           |
| 3.2                           | Articles Supplementary to the Charter of HomeTrust Bancshares, Inc. for HomeTrust Bancshares, Inc.’s Junior Participating Preferred Stock, Series A                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | **                                                          |
| 3.3                           | Bylaws of HomeTrust Bancshares, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | ***                                                         |
| 4.1                           | Tax Benefits Preservation Plan, dated as of September 25, 2012, between HomeTrust Bancshares, Inc. and Registrar and Transfer Company, as Rights Agent                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **                                                          |
| 10.1                          | Employment Agreement entered into between HomeTrust Bancshares, Inc. and F. Edward Broadwell, Jr.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | *                                                           |
| 10.2                          | Employment Agreement entered into between HomeTrust Bancshares, Inc. and Dana L. Stonestreet                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | *                                                           |
| 10.3                          | Employment Agreement entered into between HomeTrust Bancshares, Inc. and each of Tony J. VunCannon, Howard L. Sellinger and Charles I. Abbitt, Jr.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | *                                                           |
| 10.4                          | Employment Agreement entered into between HomeTrust Bancshares, Inc. and C. Hunter Westbrook                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | ******                                                      |
| 10.5                          | Employment Agreement between HomeTrust Bank and Sidney A.Biesecker                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | *                                                           |
| 10.6                          | Employment Agreement between HomeTrust Bank and Stan Allen                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | *                                                           |
| 10.7                          | HomeTrust Bank Executive Supplemental Retirement Income Master Agreement (“SERP”)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | *                                                           |
| 10.7A                         | SERP Joinder Agreement for F. Edward Broadwell, Jr.                                                                                                                    | *                                                           |
| 10.7B                         | SERP Joinder Agreement for Dana L. Stonestreet                                                                                                                         | *                                                           |
| 10.7C                         | SERP Joinder Agreement for Tony J. VunCannon                                                                                                                           | *                                                           |
| 10.7D                         | SERP Joinder Agreement for Howard L. Sellinger                                                                                                                         | *                                                           |
| 10.7E                         | SERP Joinder Agreement for Stan Allen                                                                                                                                  | *                                                           |
| 10.7F                         | SERP Joinder Agreement for Sidney A. Biesecker                                                                                                                         | *                                                           |
| 10.7G                         | SERP Joinder Agreement for Peggy C. Melville                                                                                                                           | *                                                           |
| 10.7H                         | SERP Joinder Agreement for William T. Flynt                                                                                                                            | *                                                           |
| 10.7I                         | Amended Restated Supplemental Income Agreement between HomeTrust Bank, as successor to Industrial Federal Savings Bank, and Sidney Biesecker                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | ****                                                        |
| 10.8                          | HomeTrust Bank Director Emeritus Plan (“Director Emeritus Plan”)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | *                                                           |
| 10.8A                         | Director Emeritus Plan Joinder Agreement for Franklin V. Beam                                                                                                          | *                                                           |
| 10.8B                         | Director Emeritus Plan Joinder Agreement for William T. Flynt                                                                                                          | *                                                           |
| 10.8C                         | Director Emeritus Plan Joinder Agreement for J. Steven Goforth                                                                                                         | *                                                           |
| 10.8D                         | Director Emeritus Plan Joinder Agreement for Craig C. Koontz                                                                                                           | *                                                           |
| 10.8E                         | Director Emeritus Plan Joinder Agreement for Larry S. McDevitt                                                                                                         | *                                                           |
| 10.8F                         | Director Emeritus Plan Joinder Agreement for F.K. McFarland, III                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | *                                                           |
| 10.8G                         | Director Emeritus Plan Joinder Agreement for Peggy C. Melville                                                                                                         | *                                                           |
| 10.8H                         | Director Emeritus Plan Joinder Agreement for Robert E. Shepherd, Sr.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | *                                                           |
| 10.9                          | HomeTrust Bank Defined Contribution Executive Medical Care Plan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | *                                                           |
| 10.10                         | HomeTrust Bank 2005 Deferred Compensation Plan                                                                                                                         | *                                                           |
| 10.11                         | HomeTrust Bank Pre-2005 Deferred Compensation Plan                                                                                                                     | *                                                           |
| 10.12                         | HomeTrust Bancshares, Inc. Strategic Operating Committee Incentive Plan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | ******                                                      |
| 31.1                          | Certification of Chief Executive Officer pursuant to the Securities Exchange Act Rules 13a-14(a) and 15d-14(a) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | 31.1                                                        |
| 31.2                          | Certification of Chief Financial Officer pursuant to the Securities Exchange Act Rules 13a-14(a) and 15d-14(a) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 .                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | 31.2                                                        |
| 32.0                          | Certificate of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | 32.0                                                        |
| 101                           | The following materials from HomeTrust Bancshares’ Quarterly Report on Form 10-Q for the quarter ended September 30, 2012, formatted in Extensible Business Reporting Language (XBRL): (a) Consolidated Balance Sheets; (b) Consolidated Statements of Income; (c) Consolidated Statements of Comprehensive Income; (d) Consolidated Statements of Changes in Stockholders' Equity; (e) Consolidated Statements of Cash Flows; and (f) Notes to Consolidated Financial Statements. (To be filed by Amendment)*****                                                                                                                                                                                       | 101                                                         |

| _________________ |
|-------------------|

| *      | Filed as an exhibit to HomeTrust Bancshares’s Registration Statement on Form S-1 (File No. 333-178817) filed with the Commission December 29, 2011, pursuant to Section 5 of the Securities Act of 1933.                                                                                                                                  |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **     | Filed as an exhibit to HomeTrust Bancshares’s Current Report on Form 8-K filed on September 25, 2012 (File No. 001-35593).                                                                                                                                                                                                                |
| ***    | Filed as an exhibit to HomeTrust Bancshares’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2012 (File No. 001-35593)                                                                                                                                                                                                     |
| ****   | Filed as an exhibit to Amendment No. One to HomeTrust Bancshares’s Registration Statement on Form S-1 (File No. 333-178817) filed with the Commission on March 9, 2012, pursuant to Section 5 of the Securities Act of 1933.                                                                                                              |
| *****  | Pursuant to Rule 406T of Regulation S-T, these interactive data files are deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933 or Section 18 of the Securities Exchange Act of 1934, as amended, and otherwise are not subject to liability under those sections. |
| ****** | Filed as an exhibit to HomeTrust Bancshares’s Annual Report on Form 10-K for the fiscal year ended June 30, 2012 (File No. 001-35593)                                                                                                                                                                                                     |