| (Mark One)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| X                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | EXCHANGE ACT OF 1934 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| For the quarterly period ended                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | September 30, 2011 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| OR                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | EXCHANGE ACT OF 1934 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| For the transition period from                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | to |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| Commission File Number  000-51093                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| KEARNY FINANCIAL CORP.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| (Exact name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                                                                                                                                                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| UNITED STATES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | 22-3803741 |
| (State or other jurisdiction of                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | (I.R.S. Employer |
| incorporation or organization)                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | Identification Number) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| 120 Passaic Ave., Fairfield, New Jersey                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 07004-3510 |
| (Address of principal executive offices)                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | (Zip Code) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| Registrant’s telephone number, including area code                                                                                                                                                                                                                                                                                                                                                                                                                                              | 973-244-4500 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
|       Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes  [X]  No [  ]                                    |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
|       Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).   Yes  [  ]  No [  ] |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
|       Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company.  See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.                                                                                                                 |
| Large accelerated filer [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Accelerated filer [X] |
| Non-accelerated filer [  ]                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Smaller reporting company [  ] |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
|       Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).      Yes [  ] No  [X]                                                                                                                                                                                                                                                                          |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
|       The number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: November 4, 2011.                                                                                                                                                                                                                                                                                                                      |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| $0.10 par value common stock  -  67,296,871 shares outstanding                                                                                                                                                                                                                                                                                                                                                                                                                    |

----

|                           |                                                                           | Page   |
|--------------------------------|--------------------------------------------------------------------------------|--------|
|                           |                                                                           | Number |
| PART I - FINANCIAL INFORMATION |                                                                           |   |
|                           |                                                                           |   |
|   Item 1:            | Financial Statements                                                           |   |   |
|                           |                                                                           |   |
|                           | Consolidated Statements of Financial Condition                                 |   |   |
|                           | at September 30, 2011 and June 30, 2011 (Unaudited)                            |   | 1 |
|                           |                                                                           |   |
|                           | Consolidated Statements of Operations for the Three Months                     |   |   |
|                           | Ended September 30, 2011 and September 30, 2010 (Unaudited)                    |   | 2-3 |
|                           |                                                                           |   |
|                           | Consolidated Statements of Changes in Stockholders’ Equity for the Three |   |   |
|                           | Months Ended September 30, 2011 and September 30, 2010 (Unaudited)             |   | 4-5 |
|                           |                                                                           |   |
|                           | Consolidated Statements of Cash Flows for the Three                            |   |   |
|                           | Months Ended September 30, 2011 and September 30, 2010 (Unaudited)             |   | 6-7 |
|                           |                                                                           |   |
|                           | Notes to Consolidated Financial Statements (Unaudited)                         |   | 8-54 |
|                           |                                                                           |   |
|   Item 2:            | Management’s Discussion and Analysis of                                  |   |   |
|                           | Financial Condition and Results of Operations                                  |   | 55-75 |
|                           |                                                                           |   |
|   Item 3:            | Quantitative and Qualitative Disclosure About Market Risk                      |   | 76-83 |
|                           |                                                                           |   |
|   Item 4:            | Controls and Procedures                                                        |   | 84 |
|                           |                                                                           |   |
|                           |                                                                           |   |
| PART II - OTHER INFORMATION    |                                                                           | 85-87  |
|                           |                                                                           |   |
|                           |                                                                           |   |
| SIGNATURES                     |                                                                           | 88     |
|                           |                                                                           |   |

----

|                                                                                     |   | September 30, |            |   | June 30, |   |
|------------------------------------------------------------------------------------------|--------|---------------|-----------------|--------|----------|--------|
|                                                                                     |   | 2011          |            |   | 2011     |   |
| Assets                                                                                   |   |          |            |   |     |   |
|                                                                                     |   |          |            |   |     |   |
| Cash and amounts due from depository institutions                                        |   | $             | 58,934          |   |     | $      | 47,332 |   |
| Interest-bearing deposits in other banks                                                 |   |          | 231,196         |   |     |   | 175,248 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Cash and Cash Equivalents                                        |   |          | 290,130         |   |     |   | 222,580 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Securities available for sale (amortized cost $20,284 and $46,145)                       |   |          | 17,871          |   |     |   | 44,673 |   |
| Securities held to maturity (estimated fair value $76,820 and $107,052)                  |   |          | 76,218          |   |     |   | 106,467 |   |
| Loans receivable, including unamortized yield adjustments of $(917) and $(1,021)         |   |          | 1,243,841       |   |     |   | 1,268,351 |   |
|   Less allowance for loan losses                                               |   |          | (12,040         | )      |     |   | (11,767 | ) |
|                                                                                     |   |          |            |   |     |   |   |   |
|   Net Loans Receivable                                                         |   |          | 1,231,801       |   |     |   | 1,256,584 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Mortgage-backed securities available for sale (amortized cost $1,047,989 and $1,032,407) |   |          |  1,084,093 |   |     |   |  1,060,247 |   |
| Mortgage-backed securities held to maturity (estimated fair value $1,381 and $1,416)     |   |          | 1,291           |   |     |   | 1,345 |   |
| Premises and equipment                                                                   |   |          | 39,362          |   |     |   | 39,556 |   |
| Federal Home Loan Bank of New York (“FHLB”) stock                            |   |          | 13,559          |   |     |   | 13,560 |   |
| Interest receivable                                                                      |   |          | 8,594           |   |     |   | 9,740 |   |
| Goodwill                                                                                 |   |          | 108,591         |   |     |   | 108,591 |   |
| Bank owned life insurance                                                                |   |          | 24,660          |   |     |   | 24,470 |   |
| Other assets                                                                             |   |          | 13,867          |   |     |   | 16,323 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Total Assets                                                     |   | $             | 2,910,037       |   |     | $      | 2,904,136 |   |
| Liabilities and Stockholders’ Equity                                               |   |          |            |   |     |   |   |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Liabilities                                                                              |   |          |            |   |     |   |   |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Deposits:                                                                                |   |          |            |   |     |   |   |   |
|   Non-interest-bearing                                                         |   | $             | 141,423         |   |     | $      | 143,087 |   |
|   Interest-bearing                                                             |   |          | 2,007,183       |   |     |   | 2,006,266 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Total Deposits                                                   |   |          | 2,148,606       |   |     |   | 2,149,353 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Borrowings                                                                               |   |          | 247,791         |   |     |   | 247,642 |   |
| Advance payments by borrowers for taxes                                                  |   |          | 5,780           |   |     |   | 5,794 |   |
| Deferred income tax liabilities, net                                                     |   |          | 4,511           |   |     |   | 1,669 |   |
| Other liabilities                                                                        |   |          | 11,894          |   |     |   | 11,804 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Total Liabilities                                                |   |          | 2,418,582       |   |     |   | 2,416,262 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Stockholders’ Equity                                                               |   |          |            |   |     |   |   |   |
|                                                                                     |   |          |            |   |     |   |   |   |
| Preferred stock $0.10 par value, 25,000,000 shares authorized; none issued               |   |          |            |   |     |   |   |   |
|   and outstanding                                                              |   |          | -               |   |     |   | - |   |
| Common stock $0.10 par value, 75,000,000 shares authorized; 72,737,500 shares            |   |          |            |   |     |   |   |   |
|   issued; 67,560,871 and 67,851,077 shares outstanding, respectively           |   |          | 7,274           |   |     |   | 7,274 |   |
| Paid-in capital                                                                          |   |          | 215,309         |   |     |   | 215,258 |   |
| Retained earnings                                                                        |   |          | 318,586         |   |     |   | 317,354 |   |
| Unearned Employee Stock Ownership Plan shares; 787,989 shares                            |   |          |            |   |     |   |   |   |
|   and 824,352 shares, respectively                                             |   |          | (7,880          | )      |     |   | (8,244 | ) |
| Treasury stock, at cost; 5,176,629 shares and 4,886,423 shares, respectively             |   |          | (61,771         | )      |     |   | (59,200 | ) |
| Accumulated other comprehensive income                                                   |   |          | 19,937          |   |     |   | 15,432 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Total Stockholders’ Equity                                 |   |          | 491,455         |   |     |   | 487,874 |   |
|                                                                                     |   |          |            |   |     |   |   |   |
|     Total Liabilities and Stockholders’ Equity                 |   | $             | 2,910,037       |   |     | $      | 2,904,136 |   |

----

|                                                              |   | Three Months Ended |      |
|-------------------------------------------------------------------|--------|--------------------|-----------|
|                                                              |   | September 30,      |      |
|                                                              |   | 2011               |      |   | 2010 |   |
|                                                              |   |               |      |   |   |   |
| Interest Income                                                   |   |               |      |   |   |   |
|   Loans                                                 |   | $                  | 16,468    |   |   | $ | 13.801 |   |
|   Mortgage-backed securities                            |   |               | 7,982     |   |   |   | 7,398 |   |
|   Securities:                                           |   |               |      |   |   |   |   |   |
|     Taxable                                   |   |               | 492       |   |   |   | 1,408 |   |
|     Tax-exempt                                |   |               | 44        |   |   |   | 157 |   |
|   Other interest-earning assets                         |   |               | 195       |   |   |   | 179 |   |
|      Total Interest Income               |   |               | 25,181    |   |   |   | 22,943 |   |
|                                                              |   |               |      |   |   |   |   |   |
| Interest Expense                                                  |   |               |      |   |   |   |   |   |
|   Deposits                                              |   |               | 5,592     |   |   |   | 6,323 |   |
|   Borrowings                                            |   |               | 2,042     |   |   |   | 2,075 |   |
|      Total Interest Expense              |   |               | 7,634     |   |   |   | 8,398 |   |
|                                                              |   |               |      |   |   |   |   |   |
|      Net Interest Income                 |   |               | 17,547    |   |   |   | 14,545 |   |
|                                                              |   |               |      |   |   |   |   |   |
| Provision for Loan Losses                                         |   |               | 1,065     |   |   |   | 1,251 |   |
|                                                              |   |               |      |   |   |   |   |   |
|      Net Interest Income after Provision |   |               |      |   |   |   |   |   |
|        for Loan Losses         |   |               | 16,482    |   |   |   | 13,294 |   |
|                                                              |   |               |      |   |   |   |   |   |
| Non-Interest Income                                               |   |               |      |   |   |   |   |   |
|   Fees and service charges                              |   |               | 626       |   |   |   | 342 |   |
|   Gain on sale of loans                                 |   |               | 186       |   |   |   | - |   |
|   Income from bank owned life insurance                 |   |               |  190 |   |   |   |  163 |   |
|   Electronic banking fees and charges                   |   |               | 235       |   |   |   | 114 |   |
|   Loss from REO operations                              |   |               | (154      | ) |   |   | (14 | ) |
|   Miscellaneous                                         |   |               | 35        |   |   |   | 26 |   |
|      Total Non-Interest Income           |   |               | 1,118     |   |   |   | 631 |   |
|                                                              |   |               |      |   |   |   |   |   |
| Non-Interest Expenses                                             |   |               |      |   |   |   |   |   |
|   Salaries and employee benefits                        |   |               | 8,161     |   |   |   | 6,953 |   |
|   Net occupancy expense of                              |   |               |      |   |   |   |   |   |
|    premises                                             |   |               | 1,585     |   |   |   | 1,049 |   |
|   Equipment and systems                                 |   |               | 1,969     |   |   |   | 1,177 |   |
|   Advertising and marketing                             |   |               | 301       |   |   |   | 246 |   |
|   Federal deposit insurance                             |   |               |      |   |   |   |   |   |
|    premium                                         |   |               | 485       |   |   |   | 447 |   |
|   Directors’ compensation                         |   |               | 166       |   |   |   | 558 |   |
|   Merger-related expenses                               |   |               | -         |   |   |   | 40 |   |
|   Miscellaneous                                         |   |               | 1,614     |   |   |   | 1,174 |   |
|      Total Non-Interest Expenses         |   | $                  | 14,281    |   |   | $ | 11,644 |   |

----

|                                               |   | Three Months Ended |   |
|----------------------------------------------------|--------|--------------------|--------|
|                                               |   | September 30,      |   |
|                                               |   | 2011               |   |   | 2010 |   |
|                                               |   |               |   |   |   |   |
|     Income Before Income Taxes |   | $                  | 3,319  |   |   | $ | 2,281 |   |
|                                               |   |               |   |   |   |   |   |   |
| Income Taxes                                       |   |               | 1,301  |   |   |   | 946 |   |
|                                               |   |               |   |   |   |   |   |   |
|     Net Income                 |   | $                  | 2,018  |   |   | $ | 1,335 |   |
|                                               |   |               |   |   |   |   |   |   |
| Net Income per Common                              |   |               |   |   |   |   |   |   |
|   Share (EPS):                           |   |               |   |   |   |   |   |   |
|   Basic and Diluted                      |   | $                  | 0.03   |   |   | $ | 0.02 |   |
|                                               |   |               |   |   |   |   |   |   |
| Weighted Average Number of                         |   |               |   |   |   |   |   |   |
|   Common Shares Outstanding:             |   |               |   |   |   |   |   |   |
|   Basic and Diluted                      |   |               | 66,961 |   |   |   | 67,219 |   |
|                                               |   |               |   |   |   |   |   |   |
| Dividends Declared Per Common                      |   |               |   |   |   |   |   |   |
|   Share                                  |   | $                  | 0.05   |   |   | $ | 0.05 |   |

----

|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   | Unearned |    |   |          |   |   | Other  |   |   |    |   |
|------------------------------------------------------|--------|--------------|--------|--------|---------|--------|--------|----------|--------|--------|----------|--------|--------|----------|---------|--------|---------------|--------|--------|--------|--------|--------|---------|--------|
|                                                 |   | Common Stock |   |   | Paid-In |   |   | Retained |   |   | ESOP     |   |   | Treasury |    |   | Comprehensive |   |   |   |   |
|                                                 |   | Shares       |   |   | Amount  |   |   | Capital  |   |   | Earnings |   |   | Shares   |    |   | Stock         |   |   | Income |   |   | Total   |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |
| Balance - June 30, 2010                              |   |         | 68,344 |   |    | $      | 7,274  |     |   | $      | 213,529  |   |   | $        | 312,844 |   |          | $      | (9,698 | )      |   | $      | (54,738 | )      |   | $ | 16,715 |   |   | $ | 485,926 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Comprehensive income:                                |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Net income                               |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | 1,335   |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 1,335 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Unrealized loss on securities            |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     available for sale, net of   |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     deferred income tax          |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     benefit of $531              |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | (769 | ) |   |   | (769 | ) |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Benefit plans, net of deferred           |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     income tax benefit of $10    |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | (15 | ) |   |   | (15 | ) |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|    Total Comprehensive income         |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   | 551 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| ESOP shares committed to be                          |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|    released (36 shares)                    |   |         | -      |   |    |   | -      |     |   |   | (37      | )      |   |     | -       |   |          |   | 363    |   |   |   | -       |   |   |   | - |   |   |   | 326 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Dividends contributed for                            |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     payment of ESOP loan         |   |         | -      |   |    |   | -      |     |   |   | 32       |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 32 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Stock option expense                                 |   |         | -      |   |    |   | -      |     |   |   | 477      |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 477 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Treasury stock purchases                             |   |         | (369   | )      |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | (3,316  | )      |   |   | - |   |   |   | (3,316 | ) |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Restricted stock plan shares                         |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|    earned (63 shares)                      |   |         | -      |   |    |   | -      |     |   |   | 771      |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 771 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Tax effect from stock based                          |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   compensation                             |   |         | -      |   |    |   | -      |     |   |   | 5        |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 5 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Cash dividends declared   ($0.05/ public share) |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | (800    | )      |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | (800 | ) |
| Balance - September 30, 2010                         |   |         | 67,975 |   |    | $      | 7,274  |     |   | $      | 214,777  |   |   | $        | 313,379 |   |          | $      | (9,335 | )      |   | $      | (58,054 | )      |   | $ | 15,931 |   |   | $ | 483,972 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |

----

|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   | Unearned |    |   |          |   |   | Other  |   |   |    |   |
|------------------------------------------------------|--------|--------------|--------|--------|---------|--------|--------|----------|--------|--------|----------|--------|--------|----------|---------|--------|---------------|--------|--------|--------|--------|--------|---------|--------|
|                                                 |   | Common Stock |   |   | Paid-In |   |   | Retained |   |   | ESOP     |   |   | Treasury |    |   | Comprehensive |   |   |   |   |
|                                                 |   | Shares       |   |   | Amount  |   |   | Capital  |   |   | Earnings |   |   | Shares   |    |   | Stock         |   |   | Income |   |   | Total   |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |
| Balance - June 30, 2011                              |   |         | 67,851 |   |    | $      | 7,274  |     |   | $      | 215,258  |   |   | $        | 317,354 |   |          | $      | (8,244 | )      |   | $      | (59,200 | )      |   | $ | 15,432 |   |   | $ | 487,874 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Comprehensive income:                                |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Net income                               |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | 2,018   |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 2,018 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Unrealized gain on securities            |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     available for sale, net of        |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     deferred income tax          |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     expense of $2,990            |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | 4,332 |   |   |   | 4,332 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   Benefit plans, net of deferred           |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     income tax expense of $120   |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | 173 |   |   |   | 173 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|    Total Comprehensive income         |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   | 6,523 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| ESOP shares committed to be                          |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   released (36 shares)                     |   |         | -      |   |    |   | -      |     |   |   | (38      | )      |   |     | -       |   |          |   | 364    |   |   |   | -       |   |   |   | - |   |   |   | 326 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Dividends contributed for                            |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|     payment of ESOP loan         |   |         | -      |   |    |   | -      |     |   |   | 36       |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 36 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Stock option expense                                 |   |         | -      |   |    |   | -      |     |   |   | 11       |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 11 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Treasury stock purchases                             |   |         | (290   | )      |    |   | -      |     |   |   | -        |   |   |     | -       |   |          |   | -      |   |   |   | (2,571  | )      |   |   | - |   |   |   | (2,571 | ) |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Restricted stock plan shares                         |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
|   earned (4 shares)                        |   |         | -      |   |    |   | -      |     |   |   | 42       |   |   |     | -       |   |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | 42 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Cash dividends declared   ($0.05/ public share) |   |         | -      |   |    |   | -      |     |   |   | -        |   |   |     | (786    | )      |          |   | -      |   |   |   | -       |   |   |   | - |   |   |   | (786 | ) |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |
| Balance - September 30, 2011                         |   |         | 67,561 |   |    | $      | 7,274  |     |   | $      | 215,309  |   |   | $        | 318,586 |   |          | $      | (7,880 | )      |   | $      | (61,771 | )      |   | $ | 19,937 |   |   | $ | 491,455 |   |
|                                                 |   |         |   |   |    |   |   |     |   |   |     |   |   |     |    |   |          |   |   |   |   |   |    |   |   |   |   |   |   |   |   |   |

----

|                                                                                     |   | Three Months Ended |    |
|-----------------------------------------------------------------------------------------------|--------|-------------------------|---------|
|                                                                                          |   | September 30,           |    |
|                                                                                          |   | 2011                    |    |   | 2010 |   |
|                                                                                          |   |                    |    |   |   |   |
| Cash Flows from Operating Activities:                                                         |   |                    |    |   |   |   |
|   Net income                                                                        |   | $                       | 2,018   |   |   | $ | 1,335 |   |
|   Adjustments to reconcile net income to net cash provided by operating activities: |   |                    |    |   |   |   |   |   |
|     Depreciation and amortization of premises and equipment               |   |                    | 642     |   |   |   | 440 |   |
|     Net amortization of premiums, discounts and loan fees and costs       |   |                    | 1,691   |   |   |   | 468 |   |
|     Deferred income taxes                                                 |   |                    | (268    | ) |   |   | (756 | ) |
|     Amortization of intangible assets                                     |   |                    | 41      |   |   |   | - |   |
|     Amortization of benefit plans’ unrecognized net loss            |   |                    | 10      |   |   |   | 17 |   |
|     Provision for loan losses                                             |   |                    | 1,065   |   |   |   | 1,251 |   |
|     Loss on write-down of real estate owned                               |   |                    | 36      |   |   |   | 14 |   |
|     Realized gain on sale of loans                                        |   |                    | (186    | ) |   |   | - |   |
|     Proceeds from sale of loans                                           |   |                    | 2,187   |   |   |   | - |   |
|     Increase in cash surrender value of bank owned life insurance         |   |                    | (190    | ) |   |   | (163 | ) |
|     ESOP, stock option plan and restricted stock plan expenses            |   |                    | 379     |   |   |   | 1,574 |   |
|     Decrease in interest receivable                                       |   |                    | 1,146   |   |   |   | 40 |   |
|     Decrease in other assets                                              |   |                    | 2,379   |   |   |   | 213 |   |
|     Decrease in interest payable                                          |   |                    | (26     | ) |   |   | (3 | ) |
|     Increase in other liabilities                                         |   |                    | 456     |   |   |   | 208 |   |
|                                                                                          |   |                    |    |   |   |   |   |   |
|       Net Cash Provided by Operating Activities                 |   |                    | 11,380  |   |   |   | 4,638 |   |
|                                                                                          |   |                    |    |   |   |   |   |   |
| Cash Flows from Investing Activities:                                                         |   |                    |    |   |   |   |   |   |
|   Proceeds from calls and maturities of securities held for sale                    |   |                    | 25,544  |   |   |   | - |   |
|   Proceeds from repayments of securities available for sale                         |   |                    | 288     |   |   |   | 518 |   |
|   Purchase of securities held to maturity                                           |   |                    | (70     | ) |   |   | (64,975 | ) |
|   Proceeds from calls and maturities of securities held to maturity                 |   |                    | 30,090  |   |   |   | 90,000 |   |
|   Proceeds from repayments of securities held to maturity                           |   |                    | 205     |   |   |   | - |   |
|   Purchase of loans                                                                 |   |                    | (4,056  | ) |   |   | (1,437 | ) |
|   Net decrease in loans receivable                                                  |   |                    | 25,784  |   |   |   | 16,461 |   |
|   Purchases of mortgage-backed securities available for sale                        |   |                    | (78,902 | ) |   |   | (186,437 | ) |
|   Principal repayments on mortgage-backed securities available for sale             |   |                    | 61,329  |   |   |   | 43,732 |   |
|   Principal repayments on mortgage-backed securities held to maturity               |   |                    | 57      |   |   |   | 82 |   |
|   Redemption of FHLB stock                                                          |   |                    | 1       |   |   |   | - |   |
|   Additions to premises and equipment                                               |   |                    | (448    | ) |   |   | (305 | ) |
|                                                                                          |   |                    |    |   |   |   |   |   |
|        Net Cash Provided by (Used in) Investing Activities |   | $                       | 59,822  |   |   | $ | (102,361 | ) |

----

|                                                                                  |   | Three Months Ended |    |
|--------------------------------------------------------------------------------------------|--------|-------------------------|---------|
|                                                                                       |   | September 30,           |    |
|                                                                                       |   | 2011                    |    |   | 2010 |   |
|                                                                                       |   |                    |    |   |   |   |
| Cash Flows from Financing Activities:                                                      |   |                    |    |   |   |   |
|   Net (decrease) increase in deposits                                            |   | $                       | (489    | ) |   | $ | 39,842 |   |
|   Repayment of long-term FHLB advances                                           |   |                    | (19     | ) |   |   | - |   |
|   Increase in other short-term borrowings                                        |   |                    | 206     |   |   |   | - |   |
|   Decrease in advance payments by borrowers for taxes                            |   |                    | (14     | ) |   |   | (361 | ) |
|   Dividends paid to stockholders of Kearny Financial Corp.                       |   |                    | (801    | ) |   |   | (817 | ) |
|   Purchase of common stock of Kearny Financial Corp. for treasury                |   |                    | (2,571  | ) |   |   | (3,316 | ) |
|   Dividends contributed for payment of ESOP loan                                 |   |                    | 36      |   |   |   | 32 |   |
|   Tax effect from stock based compensation                                       |   |                    | -       |   |   |   | 5 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
|      Net Cash (Used in) Provided by Financing Activities          |   |                    | (3,652  | ) |   |   | 35,385 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
|      Net Increase (Decrease) in Cash and Cash Equivalents         |   |                    | 67,550  |   |   |   | (62,338 | ) |
|                                                                                       |   |                    |    |   |   |   |   |   |
| Cash and Cash Equivalents – Beginning                                                |   |                    | 222,580 |   |   |   | 181,422 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
| Cash and Cash Equivalents – Ending                                                   |   | $                       | 290,130 |   |   | $ | 119,084 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
| Supplemental Disclosures of Cash Flows Information:                                        |   |                    |    |   |   |   |   |   |
|   Cash paid during the year for:                                                 |   |                    |    |   |   |   |   |   |
|     Income taxes, net of refunds                                       |   | $                       | (866    | ) |   | $ | 2,104 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
|     Interest                                                           |   | $                       | 7,660   |   |   | $ | 8,401 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |
|   Non-cash investing and financing activities:                                   |   |                    |    |   |   |   |   |   |
|     Acquisition of  real estate owned in settlement of loans |   | $                       | -       |   |   | $ | 449 |   |
|                                                                                       |   |                    |    |   |   |   |   |   |

----

----

|                                              | Three Months Ended                    |   |
|---------------------------------------------------|---------------------------------------|--------|
|                                              | September 30, 2011                    |   |
|                                              | Income                                |   | Shares |   | Per Share |   |
|                                              | (Numerator)                           |   | (Denominator) |   | Amount |   |
|                                              | (In Thousands, Except Per Share Data) |   |
|                                              |                                  |   |   |   |   |   |   |   |   |
| Net income                                        |                                  | $      | 2,018 |   |   |   |   |   |   |   |
| Basic earnings per share,                         |                                  |   |   |   |   |   |   |   |   |   |
|      income available to |                                  |   |   |   |   |   |   |   |   |   |
|      common stockholders |                                  | $      | 2,018 |   |   |   | 66,961 |   |   | $ | 0.03 |   |
| Effect of dilutive securities:                    |                                  |   |   |   |   |   |   |   |   |   |   |   |
|      Stock options       |                                  |   | - |   |   |   | - |   |   |   |   |   |
|                                              |                                  |   |   |   |   |   |   |   |   |   |   |   |
|                                              |                                  | $      | 2,018 |   |   |   | 66,961 |   |   | $ | 0.03 |   |

|                                              | Three Months Ended                    |   |
|---------------------------------------------------|---------------------------------------|--------|
|                                              | September 30, 2010                    |   |
|                                              | Income                                |   | Shares |   | Per Share |   |
|                                              | (Numerator)                           |   | (Denominator) |   | Amount |   |
|                                              | (In Thousands, Except Per Share Data) |   |
|                                              |                                  |   |   |   |   |   |   |   |   |
| Net income                                        |                                  | $      | 1,335 |   |   |   |   |   |   |   |
| Basic earnings per share,                         |                                  |   |   |   |   |   |   |   |   |   |
|      income available to |                                  |   |   |   |   |   |   |   |   |   |
|      common stockholders |                                  | $      | 1,335 |   |   |   | 67,219 |   |   | $ | 0.02 |   |
| Effect of dilutive securities:                    |                                  |   |   |   |   |   |   |   |   |   |   |   |
|      Stock options       |                                  |   | - |   |   |   | - |   |   |   |   |   |
|                                              |                                  |   |   |   |   |   |   |   |   |   |   |   |
|                                              |                                  | $      | 1,335 |   |   |   | 67,219 |   |   | $ | 0.02 |   |

----

----

----

----

|                                                                             |   | At September 30, 2011 |      |
|----------------------------------------------------------------------------------|--------|-----------------------|-----------|
|                                                                             |   | Amortized Cost        |      |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | CarryingValue |   |
|                                                                             |   | (In Thousands)        |      |
| Securities:                                                                      |   |                  |      |   |   |   |   |   |   |   |   |   |
|   Debt securities:                                                     |   |                  |      |   |   |   |   |   |   |   |   |   |
|     Trust preferred securities                               |   | $                     | 8,865     |   |   | $ | - |   |   | $ | 2,399 |   |   | $ | 6,466 |   |
|     U.S. agency securities                                   |   |                  | 6,361     |   |   |   | - |   |   |   | 15 |   |   |   | 6,346 |   |
|     Obligations of state and political                       |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      subdivisions                                       |   |                  | 5,058     |   |   |   | 1 |   |   |   | - |   |   |   | 5,059 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities                       |   |                  | 20,284    |   |   |   | 1 |   |   |   | 2,414 |   |   |   | 17,871 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage-backed securities:                                          |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Collateralized mortgage obligations:                     |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal National Mortgage Association                    |   |                  | 3,181     |   |   |   | 45 |   |   |   | - |   |   |   | 3,226 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total collateralized mortgage          |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         obligations                      |   |                  | 3,181     |   |   |   | 45 |   |   |   | - |   |   |   | 3,226 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                    |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Government National Mortgage                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Association                                              |   |                  | 12,125    |   |   |   | 1,031 |   |   |   | 20 |   |   |   | 13,136 |   |
|     Federal Home Loan Mortgage                               |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Corporation                                              |   |                  | 357,257   |   |   |   | 11,654 |   |   |   | 30 |   |   |   | 368,881 |   |
|     Federal National Mortgage Association                    |   |                  | 675,426   |   |   |   | 23,447 |   |   |   | 23 |   |   |   | 698,850 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage pass-through securities |   |                  | 1,044,808 |   |   |   | 36,132 |   |   |   | 73 |   |   |   | 1,080,867 |   |
|                                                                             |   |                  |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage-backed securities       |   |                  | 1,047,989 |   |   |   | 36,177 |   |   |   | 73 |   |   |   | 1,084,093 |   |
|  Total securities available for sale                                        |   | $                     | 1,068,273 |   |   | $ | 36,178 |   |   | $ | 2,487 |   |   | $ | 1,101,964 |   |

|                                               |   | At September 30, 2011 |   |
|----------------------------------------------------|--------|-----------------------|--------|
|                                               |   | Amortized Cost        |   |   | Carrying Value |   |
|                                               |   | (In Thousands)        |   |
| Debt securities:                                   |   |                  |   |   |   |   |
|   Due in one year or less                |   | $                     | 5,058  |   |   | $ | 5,059 |   |
|   Due after one year through five years  |   |                  | -      |   |   |   | - |   |
|   Due after five years through ten years |   |                  | 62     |   |   |   | 62 |   |
|   Due after ten years                    |   |                  | 15,164 |   |   |   | 12,750 |   |
|                                               |   |                  |   |   |   |   |   |   |
|     Total                      |   | $                     | 20,284 |   |   | $ | 17,871 |   |

----

|                                                                             |   | At June 30, 2011 |      |
|----------------------------------------------------------------------------------|--------|------------------|-----------|
|                                                                             |   | Amortized Cost   |      |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | Carrying Value |   |
|                                                                             |   | (In Thousands)   |      |
| Securities:                                                                      |   |             |      |   |   |   |   |   |   |   |   |   |
|   Debt securities:                                                     |   |             |      |   |   |   |   |   |   |   |   |   |
|     Trust preferred securities                               |   | $                | 8,863     |   |   | $ | - |   |   | $ | 1,416 |   |   | $ | 7,447 |   |
|     U.S. agency securities                                   |   |             | 6,657     |   |   |   | - |   |   |   | 66 |   |   |   | 6,591 |   |
|     Obligations of state and political                       |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      subdivisions                                       |   |             | 30,625    |   |   |   | 10 |   |   |   | - |   |   |   | 30,635 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities                       |   |             | 46,145    |   |   |   | 10 |   |   |   | 1,482 |   |   |   | 44,673 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage-backed securities:                                          |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Collateralized mortgage obligations:                     |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal National Mortgage Association                    |   |             | 3,437     |   |   |   | 28 |   |   |   | - |   |   |   | 3,465 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total collateralized mortgage          |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         obligations                      |   |             | 3,437     |   |   |   | 28 |   |   |   | - |   |   |   | 3,465 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                    |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Government National Mortgage                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Association                                              |   |             | 12,614    |   |   |   | 991 |   |   |   | 24 |   |   |   | 13,581 |   |
|     Federal Home Loan Mortgage                               |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Corporation                                              |   |             | 380,387   |   |   |   | 10,092 |   |   |   | 31 |   |   |   | 390,448 |   |
|     Federal National Mortgage Association                    |   |             | 635,969   |   |   |   | 17,175 |   |   |   | 391 |   |   |   | 652,753 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage pass-through securities |   |             | 1,028,970 |   |   |   | 28,258 |   |   |   | 446 |   |   |   | 1,056,782 |   |
|                                                                             |   |             |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage-backed securities  |   |             | 1,032,407 |   |   |   | 28,286 |   |   |   | 446 |   |   |   | 1,060,247 |   |
|  Total securities available for sale                                        |   | $                | 1,078,552 |   |   | $ | 28,296 |   |   | $ | 1,928 |   |   | $ | 1,104,920 |   |

----

|                                                                        |   | At September 30, 2011 |   |
|----------------------------------------------------------------------------------|--------|-----------------------|--------|
|                                                                             |   | Carrying Value        |   |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | Fair Value |   |
|                                                                             |   | (In Thousands)        |   |
| Securities:                                                                      |   |                  |   |   |   |   |   |   |   |   |   |   |
|   Debt securities:                                                     |   |                  |   |   |   |   |   |   |   |   |   |   |
|     U.S. agency securities                                   |   | $                     | 73,229 |   |   | $ | 595 |   |   | $ | - |   |   | $ | 73,824 |   |
|     Obligations of state and political                       |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      subdivisions                                       |   |                  | 2,989  |   |   |   | 7 |   |   |   | - |   |   |   | 2,996 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities                       |   |                  | 76,218 |   |   |   | 602 |   |   |   | - |   |   |   | 76,820 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                      |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Collateralized mortgage obligations:                                 |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                               |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Corporation                                        |   |                  | 60     |   |   |   | 9 |   |   |   | - |   |   |   | 69 |   |
|     Federal National Mortgage Association                    |   |                  | 592    |   |   |   | 83 |   |   |   | - |   |   |   | 675 |   |
|     Non-agency securities                                    |   |                  | 198    |   |   |   | 1 |   |   |   | 18 |   |   |   | 181 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total collateralized mortgage          |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         obligations                      |   |                  | 850    |   |   |   | 93 |   |   |   | 18 |   |   |   | 925 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                    |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                               |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Corporation                                        |   |                  | 138    |   |   |   | 5 |   |   |   | - |   |   |   | 143 |   |
|     Federal National Mortgage Association                    |   |                  | 303    |   |   |   | 10 |   |   |   | - |   |   |   | 313 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage pass-through securities |   |                  | 441    |   |   |   | 15 |   |   |   | - |   |   |   | 456 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage-backed                  |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         securities                       |   |                  | 1,291  |   |   |   | 108 |   |   |   | 18 |   |   |   | 1,381 |   |
|                                                                             |   |                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities held to maturity      |   | $                     | 77,509 |   |   | $ | 710 |   |   | $ | 18 |   |   | $ | 78,201 |   |

|                                               |   | At September 30, 2011 |   |
|----------------------------------------------------|--------|-----------------------|--------|
|                                               |   | Carrying Value        |   |   | Fair Value |   |
|                                               |   | (In Thousands)        |   |
| Debt securities:                                   |   |                  |   |   |   |   |
|   Due in one year or less                |   | $                     | 2,989  |   |   | $ | 2,996 |   |
|   Due after one year through five years  |   |                  | 33,245 |   |   |   | 33,770 |   |
|   Due after five years through ten years |   |                  | 5,000  |   |   |   | 5,006 |   |
|   Due after ten years                    |   |                  | 34,984 |   |   |   | 35,048 |   |
|                                               |   |                  |   |   |   |   |   |   |
|     Total                      |   | $                     | 76,218 |   |   | $ | 76,820 |   |

----

|                                                                             |   | At June 30, 2011 |    |
|----------------------------------------------------------------------------------|--------|------------------|---------|
|                                                                             |   | Carrying Value   |    |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | Fair Value |   |
|                                                                             |   | (In Thousands)   |    |
| Securities:                                                                      |   |             |    |   |   |   |   |   |   |   |   |   |
|   Debt securities:                                                     |   |             |    |   |   |   |   |   |   |   |   |   |
|     U.S. agency securities                                   |   | $                | 103,458 |   |   | $ | 576 |   |   | $ | 1 |   |   | $ | 104,033 |   |
|     Obligations of state and political                       |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      subdivisions                                       |   |             | 3,009   |   |   |   | 10 |   |   |   | - |   |   |   | 3,019 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities                       |   |             | 106,467 |   |   |   | 586 |   |   |   | 1 |   |   |   | 107,052 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities:                                                      |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Collateralized mortgage obligations:                                 |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                               |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Corporation                                        |   |             | 67      |   |   |   | 5 |   |   |   | - |   |   |   | 72 |   |
|     Federal National Mortgage Association                    |   |             | 618     |   |   |   | 68 |   |   |   | - |   |   |   | 686 |   |
|     Non-agency securities                                    |   |             | 203     |   |   |   | 1 |   |   |   | 17 |   |   |   | 187 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total collateralized mortgage          |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         obligations                      |   |             | 888     |   |   |   | 74 |   |   |   | 17 |   |   |   | 945 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Mortgage pass-through securities:                                    |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Federal Home Loan Mortgage                               |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Corporation                                              |   |             | 145     |   |   |   | 4 |   |   |   | - |   |   |   | 149 |   |
|     Federal National Mortgage Association                    |   |             | 312     |   |   |   | 10 |   |   |   | - |   |   |   | 322 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage pass-through securities |   |             | 457     |   |   |   | 14 |   |   |   | - |   |   |   | 471 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total mortgage-backed                  |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         securities                       |   |             | 1,345   |   |   |   | 88 |   |   |   | 17 |   |   |   | 1,416 |   |
|                                                                             |   |             |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total securities held to maturity      |   | $                | 107,812 |   |   | $ | 674 |   |   | $ | 18 |   |   | $ | 108,468 |   |

----

|                                         |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total      |   |
|----------------------------------------------|--------|---------------------|--------|--------|-------------------|--------|--------|------------|--------|
|                                         |   | Fair Value          |   |   | Unrealized Losses |   |   | Fair Value |   |   | Unrealized Losses |   |   | Fair Value |   |   | Unrealized Losses |   |
|                                         |   | (In Thousands)      |   |
| Securities Available for Sale:               |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |
|  At September 30, 2011:                 |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |
|   Trust preferred securities       |   | $                   | -      |   |              | $      | -      |       |   | $ | 5,466 |   |   | $ | 2,399 |   |   | $ | 5,466 |   |   | $ | 2,399 |   |
|   U.S. agency securities           |   |                | 3,675  |   |              |   | 13     |       |   |   | 1,288 |   |   |   | 2 |   |   |   | 4,963 |   |   |   | 15 |   |
|   Mortgage pass-through securities |   |                | 17     |   |              |   | 1      |       |   |   | 1,192 |   |   |   | 72 |   |   |   | 1,209 |   |   |   | 73 |   |
|                                         |   |                |   |   |              |   |   |       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                |   | $                   | 3,692  |   |              | $      | 14     |       |   | $ | 7,946 |   |   | $ | 2,473 |   |   | $ | 11,638 |   |   | $ | 2,487 |   |

| At June 30, 2011:                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|----------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
|   Trust preferred securities       |   | $      | -      |   |   | $      | -      |   |   | $      | 6,447  |   |   | $      | 1,416  |   |   | $      | 6,447 |   |   | $ | 1,416 |   |
|   U.S. agency securities           |   |   | 3,631  |   |   |   | 63     |   |   |   | 2,896  |   |   |   | 3      |   |   |   | 6,527 |   |   |   | 66 |   |
|   Mortgage pass-through securities |   |   | 85,831 |   |   |   | 366    |   |   |   | 1,221  |   |   |   | 80     |   |   |   | 87,052 |   |   |   | 446 |   |
|                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                |   | $      | 89,462 |   |   | $      | 429    |   |   | $      | 10,564 |   |   | $      | 1,499  |   |   | $      | 100,026 |   |   | $ | 1,928 |   |

----

|                                       | Less than 12 Months |       | 12 Months or More |   | Total             |   |
|-------------------------------------------------|---------------------|------------|-------------------|--------|-------------------|--------|
|                                            |                | Fair Value |              |   | Unrealized Losses |   |   | Fair Value |   |   | Unrealized Losses |   |   | Fair Value |   |   | Unrealized Losses |   |
|                                            | (In Thousands)      |       |
| Securities Held to Maturity:                    |                |       |              |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  At September 30, 2011:                    |                |       |              |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Collateralized mortgage obligations |                | $          | -                 |   |              | $      | - |   |   | $ | 147 |   |   | $ | 18 |   |   | $ | 147 |   |   | $ | 18 |   |
|                                            |                |       |              |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                   |                | $          | -                 |   |              | $      | - |   |   | $ | 147 |   |   | $ | 18 |   |   | $ | 147 |   |   | $ | 18 |   |

| At June 30, 2011:                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
|   U.S. agency securities                   |   | $      | 13,388 |   |   | $      | 1      |   |   | $      | -      |   |   | $      | -      |   |   | $      | 13,388 |   |   | $ | 1 |   |
|   Collateralized mortgage obligations |   |   | -      |   |   |   | -      |   |   |   | 149    |   |   |   | 17     |   |   |   | 149 |   |   |   | 17 |   |
|                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                        |   | $      | 13,388 |   |   | $      | 1      |   |   | $      | 149    |   |   | $      | 17     |   |   | $      | 13,537 |   |   | $ | 18 |   |

----

----

----

----

----

----

----

|                                                                    |   | Three Months EndedSeptember 30, 2011(in thousands) |   |   |
|-------------------------------------------------------------------------|--------|----------------------------------------------------|--------|--------|
|     Beginning balance                                    |   | $                                                  | 1,718  |   |   |
|     Additions resulting from acquisition                 |   |                                               | -      |   |   |
|     Accretion to interest income                         |   |                                               | (97    | )      |   |
|     Disposals                                            |   |                                               | -      |   |   |
|     Reclassifications from/(to) nonaccretable difference |   |                                               | -      |   |   |
|     Ending balance                                       |   | $                                                  | 1,621  |   |   |

----

----

----

----

----

| Allowance for Loan Losses and Loans Receivableat September 30, 2011                                          |   |
|--------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                         |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                                         |   | (in Thousands) |   |
| Balance of allowance for   loan losses:                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated   for impairment                                                 |   | $ | 3,916 |   |   | $ | 1,484 |   |   | $ | 105 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | 5,505 |   |
| Loans collectively evaluated   for impairment                                                 |   |   | 2,827 |   |   |   | 1,685 |   |   |   | 127 |   |   |   | 142 |   |   |   | 305 |   |   |   | 34 |   |   |   | 12 |   |   |   | 5,132 |   |
| Total allocated allowance for loan losses                                                                    |   |   | 6,743 |   |   |   | 3,169 |   |   |   | 232 |   |   |   | 142 |   |   |   | 305 |   |   |   | 34 |   |   |   | 12 |   |   |   | 10,637 |   |
|  Unallocated allowance                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 233 |   |
| Allowance for loan   losses on originated   and purchased   loans         |   |   |   6,743 |   |   |   |   3,169 |   |   |   |   232 |   |   |   |   142 |   |   |   |   305 |   |   |   |   34 |   |   |   |   12 |   |   |   |   10,870 |   |
|  Loans acquired at fair value                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans acquired with   deteriorated credit   quality                            |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 31 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 31 |   |
| Other acquired loans   individually evaluated   for impairment                 |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 869 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 869 |   |
| Loans collectively evaluated   for impairment                                                 |   |   | 2 |   |   |   | 137 |   |   |   | 9 |   |   |   | 62 |   |   |   | 35 |   |   |   | 21 |   |   |   | 4 |   |   |   | 270 |   |
| Allowance for loan   losses on loans   acquired at fair   value |   |   |   2 |   |   |   |   137 |   |   |   |   9 |   |   |   |   962 |   |   |   |   35 |   |   |   |   21 |   |   |   |   4 |   |   |   |   1,170 |   |
|  Total allowance for loan losses                                                                        |   | $ | 6,745 |   |   | $ | 3,306 |   |   | $ | 241 |   |   | $ | 1,104 |   |   | $ | 340 |   |   | $ | 55 |   |   | $ | 16 |   |   | $ | 12,040 |   |

----

| Allowance for Loan Losses and Loans Receivableat September 30, 2011 (continued) |   |
|---------------------------------------------------------------------------------|--------|
|                                                                            |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                            |   | (in Thousands) |   |
| Changes in the allowance for   loan losses:                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  At June 30, 2011:                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Allocated                                                           |   | $ | 6,644 |   |   | $ | 3,336 |   |   | $ | 289 |   |   | $ | 880 |   |   | $ | 322 |   |   | $ | 49 |   |   | $ | 14 |   |   | $ | 11,534 |   |
|   Unallocated                                                         |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 233 |   |
| Total allowance for   loan losses                                |   |   | 6,644 |   |   |   | 3,336 |   |   |   | 289 |   |   |   | 880 |   |   |   | 322 |   |   |   | 49 |   |   |   | 14 |   |   |   | 11,767 |   |
|                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Charge offs against  general valuation   allowances              |   |   | (135 | ) |   |   | - |   |   |   | - |   |   |   | (6 | ) |   |   | (41 | ) |   |   | - |   |   |   | (2 | ) |   |   | (184 | ) |
| Charge offs against  specific valuation   allowances             |   |   | (610 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (610 | ) |
| Total charge offs                                                               |   |   | (745 | ) |   |   | - |   |   |   | - |   |   |   | (6 | ) |   |   | (41 | ) |   |   | - |   |   |   | (2 | ) |   |   | (794 | ) |
|  Total recoveries                                                          |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 2 |   |   |   | - |   |   |   | - |   |   |   | 2 |   |
|  Allocated provisions                                                      |   |   | 846 |   |   |   | (30 | ) |   |   | (48 | ) |   |   | 230 |   |   |   | 57 |   |   |   | 6 |   |   |   | 4 |   |   |   | 1,065 |   |
| Unallocated provisions                                                          |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Total provisions                                                                |   |   | 846 |   |   |   | (30 | ) |   |   | (48 | ) |   |   | 230 |   |   |   | 57 |   |   |   | 6 |   |   |   | 4 |   |   |   | 1,065 |   |
|  At September 30, 2011:                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Allocated                                                           |   |   | 6,745 |   |   |   | 3,306 |   |   |   | 241 |   |   |   | 1,104 |   |   |   | 340 |   |   |   | 55 |   |   |   | 16 |   |   |   | 11,807 |   |
|   Unallocated                                                         |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 233 |   |
| Total allowance for   loan losses                                |   | $ | 6,745 |   |   | $ | 3,306 |   |   | $ | 241 |   |   | $ | 1,104 |   |   | $ | 340 |   |   | $ | 55 |   |   | $ | 16 |   |   | $ | 12,040 |   |

----

| Allowance for Loan Losses and Loans Receivableat September 30, 2011 (continued)         |   |
|----------------------------------------------------------------------------------------------|--------|
|                                                                                         |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                         |   | (in Thousands) |   |
| Balance of loans receivable:                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated   for impairment                                 |   | $ | 20,447 |   |   | $ | 5,276 |   |   | $ | 613 |   |   | $ | 2,346 |   |   | $ | 347 |   |   | $ | 90 |   |   | $ | - |   |   | $ | 29,119 |   |
| Loans collectively evaluated   for impairment                                 |   |   | 578,996 |   |   |   | 215,709 |   |   |   | 6,569 |   |   |   | 19,500 |   |   |   | 80,701 |   |   |   | 9,425 |   |   |   | 3,154 |   |   |   | 914,054 |   |
| Total originated and   purchased loans                                        |   |   | 599,443 |   |   |   | 220,985 |   |   |   | 7,182 |   |   |   | 21,846 |   |   |   | 81,048 |   |   |   | 9,515 |   |   |   | 3,154 |   |   |   | 943,173 |   |
|  Loans acquired at fair value                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans acquired with   deteriorated credit   quality            |   |   | - |   |   |   | 2,525 |   |   |   | 155 |   |   |   | 7,587 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 10,267 |   |
| Other acquired loans   individually evaluated   for impairment |   |   | - |   |   |   | 4,902 |   |   |   | 936 |   |   |   | 1,547 |   |   |   | 599 |   |   |   | - |   |   |   | - |   |   |   | 7,984 |   |
| Loans collectively evaluated   for impairment                                 |   |   | 2,497 |   |   |   | 152,629 |   |   |   | 9,963 |   |   |   | 69,006 |   |   |   | 26,159 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 283,334 |   |
| Total loans acquired at   fair value                                          |   |   | 2,497 |   |   |   | 160,056 |   |   |   | 11,054 |   |   |   | 78,140 |   |   |   | 26,758 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 301,585 |   |
|              Total loans    |   | $ | 601,940 |   |   | $ | 381,041 |   |   | $ | 18,236 |   |   | $ | 99,986 |   |   | $ | 107,806 |   |   | $ | 32,170 |   |   | $ | 3,579 |   |   | $ | 1,244,758 |   |

----

| Allowance for Loan Losses and Loans Receivableat June 30, 2011                                                                          |   |
|-----------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                    |   | Residential Mortgage |   |   | Commercial Mortgage |   |   |  Construction |   |   | Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   | OtherConsumer |   |   |  Total |   |
|                                                                                                                                    |   | (in Thousands) |   |
| Balance of allowance for loan   losses:                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated   for impairment                                                                            |   | $ | 4,061 |   |   | $ | 1,503 |   |   | $ | 105 |   |   | $ | 275 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | 5,944 |   |
| Loans collectively evaluated   for impairment                                                                            |   |   | 2,581 |   |   |   | 1,738 |   |   |   | 177 |   |   |   | 147 |   |   |   | 304 |   |   |   | 36 |   |   |   | 10 |   |   |   | 4,993 |   |
|     Total allocated      allowance for      loan losses |   |   | 6,642 |   |   |   | 3,241 |   |   |   | 282 |   |   |   | 422 |   |   |   | 304 |   |   |   | 36 |   |   |   | 10 |   |   |   | 10,937 |   |
|     Unallocated allowance                                                                                           |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 223 |   |
|     Allowance for loan                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      losses on                                                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      originated and                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      purchased loans                                                                                           |   |   |   6,642 |   |   |   |   3,241 |   |   |   |   282 |   |   |   |   422 |   |   |   |   304 |   |   |   |   36 |   |   |   |   10 |   |   |   |   11,170 |   |
|  Loans acquired at fair value                                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans acquired with deteriorated   credit quality                                                                        |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 40 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 40 |   |
| Other acquired loans individually   evaluated for impairment                                                             |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 377 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 377 |   |
| Loans collectively evaluated   for impairment                                                                            |   |   | 2 |   |   |   | 95 |   |   |   | 7 |   |   |   | 41 |   |   |   | 18 |   |   |   | 13 |   |   |   | 4 |   |   |   | 180 |   |
|      Allowance for loan                                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      losses on loans                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      acquired                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      at fair value                                                                                             |   |   |   2 |   |   |   |   95 |   |   |   |   7 |   |   |   |   458 |   |   |   |   18 |   |   |   |   13 |   |   |   |   4 |   |   |   |   597 |   |
|  Total allowance for loan losses                                                                                                   |   | $ | 6,644 |   |   | $ | 3,336 |   |   | $ | 289 |   |   | $ | 880 |   |   | $ | 322 |   |   | $ | 49 |   |   | $ | 14 |   |   | $ | 11,767 |   |

----

| Allowance for Loan Losses and Loans Receivableat June 30, 2011 (continued)              |   |
|----------------------------------------------------------------------------------------------|--------|
|                                                                                         |   | Residential Mortgage |   |   | Commercial Mortgage |   |   |  Construction |   |   | Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   | OtherConsumer |   |   |  Total |   |
|                                                                                         |   | (in Thousands) |   |
| Balance of loans receivable:                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans individually evaluated   for impairment                                 |   | $ | 16,051 |   |   | $ | 3,064 |   |   | $ | 612 |   |   | $ | 2,625 |   |   | $ | 167 |   |   | $ | 93 |   |   | $ | - |   |   | $ | 22,612 |   |
| Loans collectively evaluated   for impairment                                 |   |   | 592,209 |   |   |   | 216,885 |   |   |   | 7,666 |   |   |   | 20,203 |   |   |   | 81,731 |   |   |   | 9,874 |   |   |   | 3,288 |   |   |   | 931,856 |   |
| Total originated and   purchased loans                                        |   |   | 608,260 |   |   |   | 219,949 |   |   |   | 8,278 |   |   |   | 22,828 |   |   |   | 81,898 |   |   |   | 9,967 |   |   |   | 3,288 |   |   |   | 954,468 |   |
|  Loans acquired at fair value                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans acquired with   deteriorated credit   quality            |   |   | - |   |   |   | 2,583 |   |   |   | 316 |   |   |   | 7,737 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 10,636 |   |
| Other acquired loans   individually evaluated   for impairment |   |   | - |   |   |   | 2,123 |   |   |   | 726 |   |   |   | 1.198 |   |   |   | 37 |   |   |   | - |   |   |   | - |   |   |   | 4,084 |   |
| Loans collectively evaluated   for impairment                                 |   |   | 2,641 |   |   |   | 159,035 |   |   |   | 12,278 |   |   |   | 73,238 |   |   |   | 29,543 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 300,184 |   |
| Total loans acquired at   fair value                                          |   |   | 2,641 |   |   |   | 163,741 |   |   |   | 13,320 |   |   |   | 82,173 |   |   |   | 29,580 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 314,904 |   |
|              Total loans    |   | $ | 610,901 |   |   | $ | 383,690 |   |   | $ | 21,598 |   |   | $ | 105,001 |   |   | $ | 111,478 |   |   | $ | 32,925 |   |   | $ | 3,779 |   |   | $ | 1,269,372 |   |

----

| Credit-Rating Classification of Loans Receivableat September 30, 2011                     |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased loans                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-classified                                                                            |   | $ | 578,246 |   |   | $ | 212,340 |   |   | $ | 6,570 |   |   | $ | 19,500 |   |   | $ | 80,614 |   |   | $ | 9,402 |   |   | $ | 3,148 |   |   | $ | 909,820 |   |
| Classified:                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Special mention                                                                           |   |   | 1,356 |   |   |   | 2,437 |   |   |   | - |   |   |   | - |   |   |   | 201 |   |   |   | - |   |   |   | - |   |   |   | 3,994 |   |
| Substandard                                                                               |   |   | 15,925 |   |   |   | 4,724 |   |   |   | 507 |   |   |   | 2,346 |   |   |   | 233 |   |   |   | 113 |   |   |   | 4 |   |   |   | 23,852 |   |
| Doubtful                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Loss                                                                                      |   |   | 3,916 |   |   |   | 1,484 |   |   |   | 105 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 2 |   |   |   | 5,507 |   |
| Total classified loans                                                                    |   |   | 21,197 |   |   |   | 8,645 |   |   |   | 612 |   |   |   | 2,346 |   |   |   | 434 |   |   |   | 113 |   |   |   | 6 |   |   |   | 33,353 |   |
| Total originated and purchased   loans                                     |   |   | 599,443 |   |   |   | 220,985 |   |   |   | 7,182 |   |   |   | 21,846 |   |   |   | 81,048 |   |   |   | 9,515 |   |   |   | 3,154 |   |   |   | 943,173 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-classified                                                                            |   |   | 2,497 |   |   |   | 150,111 |   |   |   | 9,962 |   |   |   | 65,447 |   |   |   | 25,919 |   |   |   | 21,636 |   |   |   | 424 |   |   |   | 275,996 |   |
| Classified:                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Special mention                                                                           |   |   | - |   |   |   | 1,504 |   |   |   | - |   |   |   | 2,931 |   |   |   | 423 |   |   |   | 849 |   |   |   | - |   |   |   | 5,707 |   |
| Substandard                                                                               |   |   | - |   |   |   | 8,441 |   |   |   | 1,092 |   |   |   | 8,256 |   |   |   | 416 |   |   |   | 170 |   |   |   | 1 |   |   |   | 18,376 |   |
| Doubtful                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 606 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 606 |   |
| Loss                                                                                      |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 900 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 900 |   |
| Total classified loans                                                                    |   |   | - |   |   |   | 9,945 |   |   |   | 1,092 |   |   |   | 12,693 |   |   |   | 839 |   |   |   | 1,019 |   |   |   | 1 |   |   |   | 25,589 |   |
| Total loans acquired at   fair value                                       |   |   | 2,497 |   |   |   | 160,056 |   |   |   | 11,054 |   |   |   | 78,140 |   |   |   | 26,758 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 301,585 |   |
|              Total loans |   | $ | 601,940 |   |   | $ | 381,041 |   |   | $ | 18,236 |   |   | $ | 99,986 |   |   | $ | 107,806 |   |   | $ | 32,170 |   |   | $ | 3,579 |   |   | $ | 1,244,758 |   |

----

| Credit-Rating Classification of Loans Receivableat June 30, 2011                          |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased   loans                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-classified                                                                            |   | $ | 586,813 |   |   | $ | 213,042 |   |   | $ | 7,666 |   |   | $ | 20,203 |   |   | $ | 81,454 |   |   | $ | 9,850 |   |   | $ | 3,284 |   |   | $ | 922,312 |   |
| Classified:                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Special mention                                                                           |   |   | 1,084 |   |   |   | 1,052 |   |   |   | - |   |   |   | 151 |   |   |   | 277 |   |   |   | 24 |   |   |   | - |   |   |   | 2,588 |   |
| Substandard                                                                               |   |   | 16,302 |   |   |   | 4,352 |   |   |   | 507 |   |   |   | 2,199 |   |   |   | 167 |   |   |   | 93 |   |   |   | 4 |   |   |   | 23,624 |   |
| Doubtful                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Loss                                                                                      |   |   | 4,061 |   |   |   | 1,503 |   |   |   | 105 |   |   |   | 275 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 5,944 |   |
| Total classified loans                                                                    |   |   | 21,447 |   |   |   | 6,907 |   |   |   | 612 |   |   |   | 2,625 |   |   |   | 444 |   |   |   | 117 |   |   |   | 4 |   |   |   | 32,156 |   |
|    Total originated and                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     purchased loans                                                   |   |   | 608,260 |   |   |   | 219,949 |   |   |   | 8,278 |   |   |   | 22,828 |   |   |   | 81,898 |   |   |   | 9,967 |   |   |   | 3,288 |   |   |   | 954,468 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-classified                                                                            |   |   | 2,641 |   |   |   | 153,231 |   |   |   | 11,698 |   |   |   | 70,544 |   |   |   | 29,136 |   |   |   | 22,111 |   |   |   | 490 |   |   |   | 289,851 |   |
| Classified:                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Special mention                                                                           |   |   | - |   |   |   | 4,791 |   |   |   | 580 |   |   |   | 2,135 |   |   |   | 200 |   |   |   | 847 |   |   |   | - |   |   |   | 8,553 |   |
| Substandard                                                                               |   |   | - |   |   |   | 5,719 |   |   |   | 1,042 |   |   |   | 8,463 |   |   |   | 244 |   |   |   | - |   |   |   | 1 |   |   |   | 15,469 |   |
| Doubtful                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 614 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 614 |   |
| Loss                                                                                      |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 417 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 417 |   |
| Total classified loans                                                                    |   |   | - |   |   |   | 10,510 |   |   |   | 1,622 |   |   |   | 11,629 |   |   |   | 444 |   |   |   | 847 |   |   |   | 1 |   |   |   | 25,053 |   |
| Total loans acquired at     fair value                                |   |   | 2,641 |   |   |   | 163,741 |   |   |   | 13,320 |   |   |   | 82,173 |   |   |   | 29,580 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 314,904 |   |
|              Total loans |   | $ | 610,901 |   |   | $ | 383,690 |   |   | $ | 21,598 |   |   | $ | 105,001 |   |   | $ | 111,478 |   |   | $ | 32,925 |   |   | $ | 3,779 |   |   | $ | 1,269,372 |   |

----

| Contractual Payment Status of Loans ReceivableSeptember 30, 2011                          |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased   loans                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Current                                                                                   |   | $ | 576,254 |   |   | $ | 214,707 |   |   | $ | 6,570 |   |   | $ | 18,803 |   |   | $ | 80,463 |   |   | $ | 9,425 |   |   | $ | 3,040 |   |   | $ | 909,262 |   |
| Past due:                                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                                                                                |   |   | 4,495 |   |   |   | 895 |   |   |   | - |   |   |   | 676 |   |   |   | 371 |   |   |   | - |   |   |   | 79 |   |   |   | 6,516 |   |
| 60-89 days                                                                                |   |   | 1,962 |   |   |   | 1,234 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 31 |   |   |   | 3,227 |   |
| 90+ days                                                                                  |   |   | 16,732 |   |   |   | 4,149 |   |   |   | 612 |   |   |   | 2,367 |   |   |   | 214 |   |   |   | 90 |   |   |   | 4 |   |   |   | 24,168 |   |
| Total past due                                                                            |   |   | 23,189 |   |   |   | 6,278 |   |   |   | 612 |   |   |   | 3,043 |   |   |   | 585 |   |   |   | 90 |   |   |   | 114 |   |   |   | 33,911 |   |
| Total originated and   purchased loans                                     |   |   | 599,443 |   |   |   | 220,985 |   |   |   | 7,182 |   |   |   | 21,846 |   |   |   | 81,048 |   |   |   | 9,515 |   |   |   | 3,154 |   |   |   | 943,173 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Current                                                                                   |   |   | 2,497 |   |   |   | 152,975 |   |   |   | 9,963 |   |   |   | 73,222 |   |   |   | 25,447 |   |   |   | 22,462 |   |   |   | 416 |   |   |   | 286,982 |   |
| Past due:                                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                                                                                |   |   | - |   |   |   | 719 |   |   |   | - |   |   |   | 57 |   |   |   | 667 |   |   |   | - |   |   |   | 8 |   |   |   | 1,451 |   |
| 60-89 days                                                                                |   |   | - |   |   |   | 747 |   |   |   | - |   |   |   | 196 |   |   |   | 172 |   |   |   | 193 |   |   |   | - |   |   |   | 1,308 |   |
| 90+ days                                                                                  |   |   | - |   |   |   | 5,615 |   |   |   | 1,091 |   |   |   | 4,665 |   |   |   | 472 |   |   |   | - |   |   |   | 1 |   |   |   | 11,844 |   |
| Total past due                                                                            |   |   | - |   |   |   | 7,081 |   |   |   | 1,091 |   |   |   | 4,918 |   |   |   | 1,311 |   |   |   | 193 |   |   |   | 9 |   |   |   | 14,603 |   |
| Total loans acquired at   fair value                                       |   |   | 2,497 |   |   |   | 160,056 |   |   |   | 11,054 |   |   |   | 78,140 |   |   |   | 26,758 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 301,585 |   |
|              Total loans |   | $ | 601,940 |   |   | $ | 381,041 |   |   | $ | 18,236 |   |   | $ | 99,986 |   |   | $ | 107,806 |   |   | $ | 32,170 |   |   | $ | 3,579 |   |   | $ | 1,244,758 |   |

----

| Contractual Payment Status of Loans ReceivableJune 30, 2011                               |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased   loans                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Current                                                                                   |   | $ | 586,028 |   |   | $ | 215,220 |   |   | $ | 7,432 |   |   | $ | 20,203 |   |   | $ | 81,416 |   |   | $ | 9,850 |   |   | $ | 3,183 |   |   | $ | 923,332 |   |
| Past due:                                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                                                                                |   |   | 2,608 |   |   |   | 2,624 |   |   |   | 234 |   |   |   | - |   |   |   | 235 |   |   |   | - |   |   |   | 10 |   |   |   | 5,711 |   |
| 60-89 days                                                                                |   |   | 1,084 |   |   |   | 61 |   |   |   | - |   |   |   | - |   |   |   | 99 |   |   |   | 24 |   |   |   | 74 |   |   |   | 1,342 |   |
| 90+ days                                                                                  |   |   | 18,540 |   |   |   | 2,044 |   |   |   | 612 |   |   |   | 2,625 |   |   |   | 148 |   |   |   | 93 |   |   |   | 21 |   |   |   | 24,083 |   |
| Total past due                                                                            |   |   | 22,232 |   |   |   | 4,729 |   |   |   | 846 |   |   |   | 2,625 |   |   |   | 482 |   |   |   | 117 |   |   |   | 105 |   |   |   | 31,136 |   |
| Total originated and   purchased loans                                     |   |   | 608,260 |   |   |   | 219,949 |   |   |   | 8,278 |   |   |   | 22,828 |   |   |   | 81,898 |   |   |   | 9,967 |   |   |   | 3,288 |   |   |   | 954,468 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Current                                                                                   |   |   | 2,641 |   |   |   | 156,066 |   |   |   | 11,698 |   |   |   | 75,351 |   |   |   | 28,698 |   |   |   | 21,898 |   |   |   | 456 |   |   |   | 296,808 |   |
| Past due:                                                                                 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                                                                                |   |   | - |   |   |   | 416 |   |   |   | - |   |   |   | 1,510 |   |   |   | 496 |   |   |   | 683 |   |   |   | 34 |   |   |   | 3,139 |   |
| 60-89 days                                                                                |   |   | - |   |   |   | 4,642 |   |   |   | 580 |   |   |   | 2,237 |   |   |   | 349 |   |   |   | 377 |   |   |   | - |   |   |   | 8,185 |   |
| 90+ days                                                                                  |   |   | - |   |   |   | 2,617 |   |   |   | 1,042 |   |   |   | 3,075 |   |   |   | 37 |   |   |   | - |   |   |   | 1 |   |   |   | 6,772 |   |
| Total past due                                                                            |   |   | - |   |   |   | 7,675 |   |   |   | 1,622 |   |   |   | 6,822 |   |   |   | 882 |   |   |   | 1,060 |   |   |   | 35 |   |   |   | 18,096 |   |
| Total loans acquired at   fair value                                       |   |   | 2,641 |   |   |   | 163,741 |   |   |   | 13,320 |   |   |   | 82,173 |   |   |   | 29,580 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 314,904 |   |
|              Total loans |   | $ | 610,901 |   |   | $ | 383,690 |   |   | $ | 21,598 |   |   | $ | 105,001 |   |   | $ | 111,478 |   |   | $ | 32,925 |   |   | $ | 3,779 |   |   | $ | 1,269,372 |   |

----

| Performance Status of Loans Receivableat September 30, 2011                               |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased   loans                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Performing                                                                                |   | $ | 580,688 |   |   | $ | 215,710 |   |   | $ | 6,569 |   |   | $ | 19,479 |   |   | $ | 80,701 |   |   | $ | 9,425 |   |   | $ | 3,148 |   |   | $ | 915,720 |   |
| Nonperforming:                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 90+ days past due   accruing                                               |   |   | 14,148 |   |   |   | - |   |   |   | - |   |   |   | 21 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 14,169 |   |
| Nonaccrual                                                                                |   |   | 4,607 |   |   |   | 5,275 |   |   |   | 613 |   |   |   | 2,346 |   |   |   | 347 |   |   |   | 90 |   |   |   | 6 |   |   |   | 13,284 |   |
| Total nonperforming                                                                       |   |   | 18,755 |   |   |   | 5,275 |   |   |   | 613 |   |   |   | 2,367 |   |   |   | 347 |   |   |   | 90 |   |   |   | 6 |   |   |   | 27,453 |   |
| Total originated and   purchased loans                                     |   |   | 599,443 |   |   |   | 220,985 |   |   |   | 7,182 |   |   |   | 21,846 |   |   |   | 81,048 |   |   |   | 9,515 |   |   |   | 3,154 |   |   |   | 943,173 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Performing                                                                                |   |   | 2,497 |   |   |   | 152,399 |   |   |   | 9,962 |   |   |   | 72,655 |   |   |   | 26,159 |   |   |   | 22,655 |   |   |   | 424 |   |   |   | 286,751 |   |
| Nonperforming:                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 90+ days past due   accruing                                               |   |   | - |   |   |   | 561 |   |   |   | - |   |   |   | 934 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,495 |   |
| Nonaccrual                                                                                |   |   | - |   |   |   | 7,096 |   |   |   | 1,092 |   |   |   | 4,551 |   |   |   | 599 |   |   |   | - |   |   |   | 1 |   |   |   | 13,339 |   |
| Total nonperforming                                                                       |   |   | - |   |   |   | 7,657 |   |   |   | 1,092 |   |   |   | 5,485 |   |   |   | 599 |   |   |   | - |   |   |   | 1 |   |   |   | 14,834 |   |
| Total loans acquired at   fair value                                       |   |   | 2,497 |   |   |   | 160,056 |   |   |   | 11,054 |   |   |   | 78,140 |   |   |   | 26,758 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 301,585 |   |
|              Total loans |   | $ | 601,940 |   |   | $ | 381,041 |   |   | $ | 18,236 |   |   | $ | 99,986 |   |   | $ | 107,806 |   |   | $ | 32,170 |   |   | $ | 3,579 |   |   | $ | 1,244,758 |   |

----

| Performance Status of Loans Receivableat June 30, 2011                                    |   |
|-------------------------------------------------------------------------------------------|--------|
|                                                                                      |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                      |   | (in Thousands) |   |
| Originated and purchased   loans                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Performing                                                                                |   | $ | 589,281 |   |   | $ | 216,885 |   |   | $ | 7,666 |   |   | $ | 20,203 |   |   | $ | 81,731 |   |   | $ | 9,874 |   |   | $ | 3,267 |   |   | $ | 928,907 |   |
| Nonperforming:                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 90+ days past due   accruing                                               |   |   | 14,923 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 14,923 |   |
| Nonaccrual                                                                                |   |   | 4,056 |   |   |   | 3,064 |   |   |   | 612 |   |   |   | 2,625 |   |   |   | 167 |   |   |   | 93 |   |   |   | 21 |   |   |   | 10,638 |   |
| Total nonperforming                                                                       |   |   | 18,979 |   |   |   | 3,064 |   |   |   | 612 |   |   |   | 2,625 |   |   |   | 167 |   |   |   | 93 |   |   |   | 21 |   |   |   | 25,561 |   |
| Total originated and   purchased loans                                     |   |   | 608,260 |   |   |   | 219,949 |   |   |   | 8,278 |   |   |   | 22,828 |   |   |   | 81,898 |   |   |   | 9,967 |   |   |   | 3,288 |   |   |   | 954,468 |   |
|  Loans acquired at fair value                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Performing                                                                                |   |   | 2,641 |   |   |   | 159,376 |   |   |   | 12,278 |   |   |   | 78,214 |   |   |   | 29,543 |   |   |   | 22,958 |   |   |   | 490 |   |   |   | 305,500 |   |
| Nonperforming:                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 90+ days past due   accruing                                               |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,718 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,718 |   |
| Nonaccrual                                                                                |   |   | - |   |   |   | 4,365 |   |   |   | 1,042 |   |   |   | 2,241 |   |   |   | 37 |   |   |   | - |   |   |   | 1 |   |   |   | 7,686 |   |
| Total nonperforming                                                                       |   |   | - |   |   |   | 4,365 |   |   |   | 1,042 |   |   |   | 3,959 |   |   |   | 37 |   |   |   | - |   |   |   | 1 |   |   |   | 9,404 |   |
| Total loans acquired at   fair value                                       |   |   | 2,641 |   |   |   | 163,741 |   |   |   | 13,320 |   |   |   | 82,173 |   |   |   | 29,580 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 314,904 |   |
|              Total loans |   | $ | 610,901 |   |   | $ | 383,690 |   |   | $ | 21,598 |   |   | $ | 105,001 |   |   | $ | 111,478 |   |   | $ | 32,925 |   |   | $ | 3,779 |   |   | $ | 1,269,372 |   |

----

| Impairment Status of Loans Receivableat September 30, 2011                                                    |   |
|---------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                          |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                                          |   | (in Thousands) |   |
| Carrying value of  impaired    loans:                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-impaired loans                                                                                            |   | $ | 578,996 |   |   | $ | 215,709 |   |   | $ | 6,569 |   |   | $ | 19,500 |   |   | $ | 80,701 |   |   | $ | 9,425 |   |   | $ | 3,154 |   |   | $ | 914,054 |   |
| Impaired loans:                                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans with no   impairment                                                            |   |   | 8,762 |   |   |   | 3,792 |   |   |   | 508 |   |   |   | 2,346 |   |   |   | 347 |   |   |   | 90 |   |   |   | - |   |   |   | 15,845 |   |
| Impaired loans with   impairment:                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unpaid principal balance                                                                                 |   |   | 11,685 |   |   |   | 1,484 |   |   |   | 105 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 13,274 |   |
| Specific allowance for   impairment                                                            |   |   | (3,916 | ) |   |   | (1,484 | ) |   |   | (105 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (5,505 | ) |
| Balance of impaired    loans net of   allowance for   impairment |   |   |   7,769 |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   7,769 |   |
| Total impaired loans, excluding allowance                                                                     |   |   | 20,447 |   |   |   | 5,276 |   |   |   | 613 |   |   |   | 2,346 |   |   |   | 347 |   |   |   | 90 |   |   |   | - |   |   |   | 29,119 |   |
| Total originated and   purchased loans                                                         |   |   | 599,443 |   |   |   | 220,985 |   |   |   | 7,182 |   |   |   | 21,846 |   |   |   | 81,048 |   |   |   | 9,515 |   |   |   | 3,154 |   |   |   | 943,173 |   |
|  Loans acquired at fair value                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-impaired loans                                                                                            |   |   | 2,497 |   |   |   | 152,629 |   |   |   | 9,963 |   |   |   | 69,006 |   |   |   | 26,159 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 283,334 |   |
| Impaired loans:                                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans with no   impairment                                                            |   |   | - |   |   |   | 7,427 |   |   |   | 1,091 |   |   |   | 7,556 |   |   |   | 599 |   |   |   | - |   |   |   | - |   |   |   | 16,673 |   |
| Impaired loans with   impairment:                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unpaid principal balance                                                                                      |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,578 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,578 |   |
| Specific allowance for   impairment                                                            |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (900 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (900 | ) |
| Balance of impaired   loans net of   allowance for   impairment  |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   678 |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   678 |   |
| Total impaired loans, excluding allowance                                                                     |   |   | - |   |   |   | 7,427 |   |   |   | 1,091 |   |   |   | 9,134 |   |   |   | 599 |   |   |   | - |   |   |   | - |   |   |   | 18,251 |   |
| Total loans acquired at   fair value                                                           |   |   | 2,497 |   |   |   | 160,056 |   |   |   | 11,054 |   |   |   | 78,140 |   |   |   | 26,758 |   |   |   | 22,655 |   |   |   | 425 |   |   |   | 301,585 |   |
|              Total loans                     |   | $ | 601,940 |   |   | $ | 381,041 |   |   | $ | 18,236 |   |   | $ | 99,986 |   |   | $ | 107,806 |   |   | $ | 32,170 |   |   | $ | 3,579 |   |   | $ | 1,244,758 |   |

----

| Impairment Status of Loans Receivableat September 30, 2011 (continued)     |   |
|----------------------------------------------------------------------------|--------|
|                                                                       |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                       |   | (in Thousands) |   |
| Unpaid principal balance of   impaired loans:               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Originated and purchased   loans    |   | $ | 20,481 |   |   | $ | 5,344 |   |   | $ | 630 |   |   | $ | 2,356 |   |   | $ | 352 |   |   | $ | 93 |   |   | $ | - |   |   | $ | 29,256 |   |
|     Loans acquired at fair value                       |   |   | - |   |   |   | 7,865 |   |   |   | 1,604 |   |   |   | 12,160 |   |   |   | 610 |   |   |   | - |   |   |   | - |   |   |   | 22,239 |   |
|          Total impaired loans |   | $ | 20,481 |   |   | $ | 13,209 |   |   | $ | 2,234 |   |   | $ | 14,516 |   |   | $ | 962 |   |   | $ | 93 |   |   | $ | - |   |   | $ | 51,495 |   |
|                                                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| For the three months endedSeptember 30, 2011                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Average balance ofimpaired loans                                           |   | $ | 16,687 |   |   | $ | 10,783 |   |   | $ | 1,914 |   |   | $ | 11,815 |   |   | $ | 603 |   |   | $ | 193 |   |   | $ | - |   |   | $ | 41,995 |   |
| Interest earned onimpaired loans                                           |   | $ | 252 |   |   | $ | 6 |   |   | $ | - |   |   | $ | 60 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | 318 |   |

----

| Impairment Status of Loans Receivableat June 30, 2011                                                        |   |
|--------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                         |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                                         |   | (in Thousands) |   |
| Carrying value of  impaired    loans:                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-impaired loans                                                                                           |   | $ | 592,209 |   |   | $ | 216,885 |   |   | $ | 7,666 |   |   | $ | 20,203 |   |   | $ | 81,731 |   |   | $ | 9,874 |   |   | $ | 3,288 |   |   | $ | 931,856 |   |
| Impaired loans:                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans with no   impairment                                                           |   |   | 2,850 |   |   |   | 1,561 |   |   |   | 507 |   |   |   | 2,350 |   |   |   | 167 |   |   |   | 93 |   |   |   | - |   |   |   | 7,528 |   |
| Impaired loans with   impairment:                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unpaid principal balance                                                                                     |   |   | 13,201 |   |   |   | 1,503 |   |   |   | 105 |   |   |   | 275 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 15,084 |   |
| Specific allowance for   impairment                                                           |   |   | (4,061 | ) |   |   | (1,503 | ) |   |   | (105 | ) |   |   | (275 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (5,944 | ) |
| Balance of impaired   loans net of   allowance for   impairment |   |   |   9,140 |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   9,140 |   |
| Total impaired loans, excluding allowance                                                                    |   |   | 16,051 |   |   |   | 3,064 |   |   |   | 612 |   |   |   | 2,625 |   |   |   | 167 |   |   |   | 93 |   |   |   | - |   |   |   | 22,612 |   |
| Total originated and   purchased loans                                                             |   |   | 608,260 |   |   |   | 219,949 |   |   |   | 8,278 |   |   |   | 22,828 |   |   |   | 81,898 |   |   |   | 9,967 |   |   |   | 3,288 |   |   |   | 954,468 |   |
|  Loans acquired at fair value                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-impaired loans                                                                                           |   |   | 2,641 |   |   |   | 159,035 |   |   |   | 12,278 |   |   |   | 73,238 |   |   |   | 29,543 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 300,184 |   |
| Impaired loans:                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans with no   impairment                                                           |   |   | - |   |   |   | 4,706 |   |   |   | 1,042 |   |   |   | 7,829 |   |   |   | 37 |   |   |   | - |   |   |   | - |   |   |   | 13,614 |   |
| Impaired loans with   impairment:                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unpaid principal balance                                                                                     |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,106 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,106 |   |
| Specific allowance for   impairment                                                           |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (417 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (417 | ) |
| Balance of impaired   loans net of   allowance for   impairment      |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   689 |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   689 |   |
| Total impaired loans, excluding allowance                                                                    |   |   | - |   |   |   | 4,706 |   |   |   | 1,042 |   |   |   | 8,935 |   |   |   | 37 |   |   |   | - |   |   |   | - |   |   |   | 14,720 |   |
| Total loans acquired at   fair value                                                          |   |   | 2,641 |   |   |   | 163,741 |   |   |   | 13,320 |   |   |   | 82,173 |   |   |   | 29,580 |   |   |   | 22,958 |   |   |   | 491 |   |   |   | 314,904 |   |
|              Total loans                    |   | $ | 610,901 |   |   | $ | 383,690 |   |   | $ | 21,598 |   |   | $ | 105,001 |   |   | $ | 111,478 |   |   | $ | 32,925 |   |   | $ | 3,779 |   |   | $ | 1,269,372 |   |

----

| Impairment Status of Loans Receivableat June 30, 2011 (continued)          |           |
|----------------------------------------------------------------------------|----------------|
|                                                                       |           |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                       | (in Thousands) |   |
| Unpaid principal balance of impaired   loans:               |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Originated and purchased   loans    |           | $ | 16,089 |   |   | $ | 3,107 |   |   | $ | 631 |   |   | $ | 2,632 |   |   | $ | 169 |   |   | $ | 95 |   |   | $ | - |   |   | $ | 22,723 |   |
|     Loans acquired at fair value                       |           |   | - |   |   |   | 5,106 |   |   |   | 1,553 |   |   |   | 11,863 |   |   |   | 37 |   |   |   | - |   |   |   | - |   |   |   | 18,559 |   |
|          Total impaired loans |           | $ | 16,089 |   |   | $ | 8,213 |   |   | $ | 2,184 |   |   | $ | 14,495 |   |   | $ | 206 |   |   | $ | 95 |   |   | $ | - |   |   | $ | 41,282 |   |
|                                                                       |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

----

----

| Troubled Debt Restructurings of Loans Receivablefor the three months ended September 30, 2011                   |   |
|-----------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                            |   |  Residential Mortgage |   |   |  Commercial Mortgage |   |   |   Construction |   |   |  Commercial Business |   |   | Home Equity Loans |   |   | Home EquityLines of Credit |   |   |  OtherConsumer |   |   |   Total |   |
|                                                                                                            |   | (in Thousands) |   |
| Troubled debts restructured                                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Number of loans                                                                                                 |   |   | 5 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | - |   |   |   | - |   |   |   | 6 |   |
| Pre-modification outstanding  recorded investment                                                     |   | $ | 1,420 |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | 115 |   |   | $ | - |   |   | $ | - |   |   | $ | 1,535 |   |
| Post-modification outstanding  recorded investment                                                    |   |   | 1,360 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 105 |   |   |   | - |   |   |   | - |   |   |   | 1,465 |   |
| Charge offs against the allowance  for loan loss for impairment  recognized at modification |   |   |   134 |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   10 |   |   |   |   - |   |   |   |   - |   |   |   |   144 |   |
|  Loans acquired at fair value                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Number of loans                                                                                                 |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1 |   |   |   | - |   |   |   | - |   |   |   | 1 |   |
| Pre-modification outstanding  recorded investment                                                     |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | 129 |   |   | $ | - |   |   | $ | - |   |   | $ | 129 |   |
| Post-modification outstanding  recorded investment                                                    |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 103 |   |   |   | - |   |   |   | - |   |   |   | 103 |   |
| Charge offs against the allowance  for loan loss for impairment  recognized at modification |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   - |   |   |   |   25 |   |   |   |   - |   |   |   |   - |   |   |   |   25 |   |
|  Troubled debt restructuring defaults                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  Originated and purchased loans                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Number of loans                                                                                                 |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Outstanding recorded investment                                                                                 |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
|  Loans acquired at fair value                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Number of loans                                                                                                 |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Outstanding recorded investment                                                                                 |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |

----

|                                       |   | Three Months        |   |   |
|--------------------------------------------|--------|---------------------|--------|--------|
|                                       |   | Ended September 30, |   |   |
|                                       |   | 2011                |   |   | 2010 |   |   |
|                                       |   | (In Thousands)      |   |   |
|                                       |   |                |   |   |   |   |   |
| Service cost                               |   | $                   | 39     |   |   | $ | 40 |   |   |
| Interest cost                              |   |                | 85     |   |   |   | 83 |   |   |
| Amortization of unrecognized past service  |   |                |   |   |   |   |   |   |   |
|    liability                |   |                | 16     |   |   |   | 18 |   |   |
| Amortization of unrecognized net actuarial |   |                |   |   |   |   |   |   |   |
|    (gain) loss              |   |                | (6     | )      |   |   | (1 | ) |   |
|                                       |   |                |   |   |   |   |   |   |   |
| Net periodic benefit expense               |   | $                   | 134    |   |   | $ | 140 |   |   |

----

|   | Level 1: | Quoted prices in active markets for identical assets or liabilities.                                                                                                                                                                                                                                                                                                                                                                                        |
|--------|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   | Level 2: | Observable inputs other than Level 1 prices, such as quoted for similar assets or liabilities; quoted prices in markets that are not active; or inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.                                                                                                                                                                   |
|   |     |                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|   | Level 3: | Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities.  Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. |

----

|                                                                                           |   | Fair Value Measurements Using                               |   |   |                                               |   |
|------------------------------------------------------------------------------------------------|--------|-------------------------------------------------------------|--------|--------|----------------------------------------------------|--------|
|                                                                                           |   | Quoted Prices inActive Markets forIdentical Assets(Level 1) |   |   |  Significiant OtherObservable Inputs(Level 2) |   |   |  SignificantUnobservable Inputs(Level 3) |   |   | Balance |   |
|                                                                                           |   | (In Thousands)                                              |   |
| At September 30, 2011:                                                                         |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |
| Debt securities available for sale:                                                            |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |
|                                                                                           |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |
|    Trust preferred securities                                              |   | $                                                           | -      |   |                                               | $      | 5,466 |   |   | $ | 1,000 |   |   | $ | 6,466 |   |
|    U.S. agency securities                                                  |   |                                                        | -      |   |                                               |   | 6,346 |   |   |   | - |   |   |   | 6,346 |   |
|    Obligations of political subdivisions                                   |   |                                                        | -      |   |                                               |   | 5,059 |   |   |   | - |   |   |   | 5,059 |   |
|         Total debt securities                          |   |                                                        | -      |   |                                               |   | 16,871 |   |   |   | 1,000 |   |   |   | 17,871 |   |
|                                                                                           |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities available for sale:                                            |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                           |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
| Collateralized mortgage obligations:                                                      |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
|    Federal National Mortgage Association                                   |   |                                                        | -      |   |                                               |   | 3,226 |   |   |   | - |   |   |   | 3,226 |   |
| Mortgage pass-through securities:                                                         |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
|     Government National Mortgage Association                          |   |                                                        | -      |   |                                               |   | 13,136 |   |   |   | - |   |   |   | 13,136 |   |
|     Federal Home Loan Mortgage Corporation                            |   |                                                        | -      |   |                                               |   | 368,881 |   |   |   | - |   |   |   | 368,881 |   |
|     Federal National Mortgage Association                             |   |                                                        | -      |   |                                               |   | 698,850 |   |   |   | - |   |   |   | 698,850 |   |
|         Total mortgage-backed securities               |   |                                                        | -      |   |                                               |   | 1,084,093 |   |   |   | - |   |   |   | 1,084,093 |   |
|                                                                                           |   |                                                        |   |   |                                               |   |   |   |   |   |   |   |   |   |   |   |
|          Total securities available for sale |   | $                                                           | -      |   |                                               | $      | 1,100,964 |   |   | $ | 1,000 |   |   | $ | 1,101,964 |   |

----

|                                                                                      |   | Fair Value Measurements Using                                     |   |   |                                              |   |
|-------------------------------------------------------------------------------------------|--------|-------------------------------------------------------------------|--------|--------|---------------------------------------------------|--------|
|                                                                                      |   |  Quoted Prices inActive Markets forIdentical Assets(Level 1) |   |   | Significant OtherObservable Inputs(Level 2)  |   |   | SignificantUnobservable Inputs(Level 3)  |   |   | Balance  |   |
| At June 30, 2011:                                                                         |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |
| Debt securities available for sale:                                                  |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |
|                                                                                      |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |
|    Trust preferred securities                                              |   | $                                                                 | -      |   |                                              | $      | 6,447 |   |   | $ | 1,000 |   |   | $ | 7,447 |   |
|    U.S. agency securities                                                  |   |                                                              | -      |   |                                              |   | 6,591 |   |   |   | - |   |   |   | 6,591 |   |
|    Obligations of political subdivisions                              |   |                                                              | -      |   |                                              |   | 30,635 |   |   |   | - |   |   |   | 30,635 |   |
|         Total debt securities                     |   |                                                              | -      |   |                                              |   | 43,673 |   |   |   | 1,000 |   |   |   | 43,673 |   |
|                                                                                      |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities available for sale:                                            |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
| Collateralized mortgage obligations:                                                 |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
|    Federal National Mortgage Association                              |   |                                                              | -      |   |                                              |   | 3,465 |   |   |   | - |   |   |   | 3,465 |   |
| Mortgage pass-through securities:                                                         |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
|     Government National Mortgage Association                          |   |                                                              | -      |   |                                              |   | 13,581 |   |   |   | - |   |   |   | 13,581 |   |
|     Federal Home Loan Mortgage Corporation                            |   |                                                              | -      |   |                                              |   | 390,448 |   |   |   | - |   |   |   | 390,448 |   |
|     Federal National Mortgage Association                             |   |                                                              | -      |   |                                              |   | 652,753 |   |   |   | - |   |   |   | 652,753 |   |
|         Total mortgage-backed securities          |   |                                                              | -      |   |                                              |   | 1,060,247 |   |   |   | - |   |   |   | 1,060,247 |   |
|                                                                                      |   |                                                              |   |   |                                              |   |   |   |   |   |   |   |   |   |   |   |
|          Total securities available for sale |   | $                                                                 | -      |   |                                              | $      | 1,103,920 |   |   | $ | 1,000 |   |   | $ | 1,104,920 |   |

----

|                  | Fair Value Measurements Using                                  |   |                                              |
|-----------------------|----------------------------------------------------------------|--------|---------------------------------------------------|
|                  | Quoted Prices in Active Markets for Identical Assets (Level 1) |   | Significant Other Observable Inputs (Level 2)     |   | Significant Unobservable Inputs (Level 3) |   | Balance |
|                  | (In Thousands)                                                 |
| At September 30, 2011 |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans        |                                                           | $      |         - |   |   | $ |         - |   |   | $ | 8,447 |   |   | $ | 8,447 |
| Real estate owned     |                                                           |   |         - |   |   |   |         - |   |   |   | 189 |   |   |   | 189 |
|                  |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| At June 30, 2011      |                                                           |   |                                              |   |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans        |                                                           | $      |         - |   |   | $ |         - |   |   | $ | 9,829 |   |   | $ | 9,829 |
| Real estate owned     |                                                           |   |         - |   |   |   |         - |   |   |   | 224 |   |   |   | 224 |

----

----

|                                                      |   | At September 30, 2011 |      |   | At June 30, 2011          |   |
|-----------------------------------------------------------|--------|-----------------------|-----------|--------|---------------------------|--------|
|                                                      |   | Carrying Amount       |      |   | Estimated Fair Value |   |   | Carrying Amount |   |   | Estimated Fair Value |   |
|                                                      |   | (In Thousands)        |      |
| Financial assets:                                         |   |                  |      |   |                      |   |   |   |   |   |   |   |
|   Cash and cash equivalents                     |   | $                     | 290,130   |   |                      | $      | 290,130 |   |   | $ | 222,580 |   |   | $ | 222,580 |   |
|   Securities available for sale                 |   |                  | 17,871    |   |                      |   | 17,871 |   |   |   | 44,673 |   |   |   | 44,673 |   |
|   Securities held to maturity                   |   |                  | 76,218    |   |                      |   | 76,820 |   |   |   | 106,467 |   |   |   | 107,052 |   |
|   Loans receivable                              |   |                  | 1,231,801 |   |                      |   | 1,267,094 |   |   |   | 1,256,584 |   |   |   | 1,282,865 |   |
|   Mortgage-backed securities available for sale |   |                  | 1,084,093 |   |                      |   | 1,084,093 |   |   |   | 1,060,247 |   |   |   | 1,060,247 |   |
|   Mortgage-backed securities held to maturity   |   |                  | 1,291     |   |                      |   | 1,381 |   |   |   | 1,345 |   |   |   | 1,416 |   |
|   Loan servicing rights                         |   |                  | 434       |   |                      |   | 434 |   |   |   | 416 |   |   |   | 416 |   |
|   Interest receivable                           |   |                  | 8,594     |   |                      |   | 8,594 |   |   |   | 9,740 |   |   |   | 9,740 |   |
|                                                      |   |                  |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities:                                    |   |                  |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
|   Deposits (A)                                  |   |                  | 2,148,606 |   |                      |   | 2,160,512 |   |   |   | 2,149,353 |   |   |   | 2,159,867 |   |
|   Borrowings                                    |   |                  | 247,791   |   |                      |   | 286,591 |   |   |   | 247,642 |   |   |   | 287,099 |   |
|   Interest payable on borrowings                |   |                  | 979       |   |                      |   | 979 |   |   |   | 988 |   |   |   | 988 |   |

----

----

----

----

----

----

----

----

| Allowance for Loan LossesAllocation of Loss Factors on Loans Collectively Evaluated for Impairmentat September 30, 2011 |
|-------------------------------------------------------------------------------------------------------------------------|
| Loan Category                                                                                                           |   | Historical Loss Factors |   | Environmental Loss Factors |   | Total |
|  Residential mortgage loans                                                                                        |   |   |   |   |   |   |
| Originated                                                                                                              |   | 0.01% |   | 0.30% |   | 0.31% |
| Purchased                                                                                                               |   | 0.65% |   | 0.69% |   | 1.34% |
| Acquired in merger                                                                                                      |   | 0.00% |   | 0.09% |   | 0.09% |
|  Home equity loans                                                                                                 |   |   |   |   |   |   |
| Originated                                                                                                              |   | 0.02% |   | 0.36% |   | 0.38% |
| Acquired in merger                                                                                                      |   | 0.04% |   | 0.09% |   | 0.13% |
|  Home equity lines of credit                                                                                       |   |   |   |   |   |   |
| Originated                                                                                                              |   | 0.00% |   | 0.36% |   | 0.36% |
| Acquired in merger                                                                                                      |   | 0.00% |   | 0.09% |   | 0.09% |
|  Construction loans                                                                                                |   |   |   |   |   |   |
| 1-4 family                                                                                                              |   |   |   |   |   |   |
|    Originated                                                                                            |   | 3.11% |   | 0.72% |   | 3.83% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
| Multi-family                                                                                                            |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
| Nonresidential                                                                                                          |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
|  Commercial mortgage loans                                                                                         |   |   |   |   |   |   |
| Multi-family                                                                                                            |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.41% |   | 0.72% |   | 1.13% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
| Nonresidential                                                                                                          |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
|  Commercial business loans                                                                                         |   |   |   |   |   |   |
| Secured (1-4 family)                                                                                                    |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
| Secured (Other)                                                                                                         |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.04% |   | 0.72% |   | 0.76% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |
| Unsecured                                                                                                               |   |   |   |   |   |   |
|    Originated                                                                                            |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                    |   | 0.00% |   | 0.09% |   | 0.09% |

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| Allowance for Loan LossesAllocation of Loss Factors on Loans Collectively Evaluated for Impairmentat September 30, 2011 (continued)                                                                                                                                                                                                                         |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Loan Category                                                                                                                                                                                                                                                                                                                                               |   | Historical Loss Factors |   | Environmental Loss Factors |   | Total |
| SBA 7A                                                                                                                                                                                                                                                                                                                                                      |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.04% |   | 0.72% |   | 0.76% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.09% |   | 0.09% |
| SBA Express                                                                                                                                                                                                                                                                                                                                                 |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.09% |   | 0.09% |
|     SBA Line of Credit                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.09% |   | 0.09% |
| SBA Other                                                                                                                                                                                                                                                                                                                                                   |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.09% |   | 0.09% |
|  Other consumer loans (1)                                                                                                                                                                                                                                                                                                                              |   | - |   | - |   | - |
| ________________________________________________(1)  The Company generally maintains an environmental loss factor of 0.27% on other consumer loans while historical loss factors range from 0.00% to 100.00% based on loan type. Resulting balances in the allowance for loan losses are immaterial and therefore excluded from the presentation. |

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| Allowance for Loan LossesAllocation of Loss Factors on Loans Collectively Evaluated for Impairmentat June 30, 2011 |
|--------------------------------------------------------------------------------------------------------------------|
| Loan Category                                                                                                      |   | Historical Loss Factors |   | Environmental Loss Factors |   | Total |
|  Residential mortgage loans                                                                                   |   |   |   |   |   |   |
| Originated                                                                                                         |   | 0.00% |   | 0.30% |   | 0.30% |
| Purchased                                                                                                          |   | 0.40% |   | 0.66% |   | 1.06% |
| Acquired in merger                                                                                                 |   | 0.00% |   | 0.06% |   | 0.06% |
|  Home equity loans                                                                                            |   |   |   |   |   |   |
| Originated                                                                                                         |   | 0.01% |   | 0.36% |   | 0.37% |
| Acquired in merger                                                                                                 |   | 0.00% |   | 0.06% |   | 0.06% |
|  Home equity lines of credit                                                                                  |   |   |   |   |   |   |
| Originated                                                                                                         |   | 0.00% |   | 0.36% |   | 0.36% |
| Acquired in merger                                                                                                 |   | 0.00% |   | 0.06% |   | 0.06% |
|  Construction loans                                                                                           |   |   |   |   |   |   |
| 1-4 family                                                                                                         |   |   |   |   |   |   |
|    Originated                                                                                       |   | 3.11% |   | 0.72% |   | 3.83% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
| Multi-family                                                                                                       |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
| Nonresidential                                                                                                     |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
|  Commercial mortgage loans                                                                                    |   |   |   |   |   |   |
| Multi-family                                                                                                       |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.55% |   | 0.72% |   | 1.27% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
| Nonresidential                                                                                                     |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
|  Commercial business loans                                                                                    |   |   |   |   |   |   |
| Secured (1-4 family)                                                                                               |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
| Secured (Other)                                                                                                    |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.04% |   | 0.72% |   | 0.76% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |
| Unsecured                                                                                                          |   |   |   |   |   |   |
|    Originated                                                                                       |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                               |   | 0.00% |   | 0.06% |   | 0.06% |

----

| Allowance for Loan LossesAllocation of Loss Factors on Loans Collectively Evaluated for Impairmentat June 30, 2011 (continued)                                                                                                                                                                                                                              |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Loan Category                                                                                                                                                                                                                                                                                                                                               |   | Historical Loss Factors |   | Environmental Loss Factors |   | Total |
| SBA 7A                                                                                                                                                                                                                                                                                                                                                      |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.06% |   | 0.06% |
| SBA Express                                                                                                                                                                                                                                                                                                                                                 |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.06% |   | 0.06% |
|     SBA Line of Credit                                                                                                                                                                                                                                                                                                                  |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.06% |   | 0.06% |
| SBA Other                                                                                                                                                                                                                                                                                                                                                   |   |   |   |   |   |   |
|    Originated                                                                                                                                                                                                                                                                                                                                |   | 0.00% |   | 0.72% |   | 0.72% |
|    Acquired in merger                                                                                                                                                                                                                                                                                                                        |   | 0.00% |   | 0.06% |   | 0.06% |
| Other consumer loans (1)                                                                                                                                                                                                                                                                                                                                    |   | - |   | - |   | - |
| ________________________________________________(1)  The Company generally maintains an environmental loss factor of 0.27% on other consumer loans while historical loss factors range from 0.00% to 100.00% based on loan type. Resulting balances in the allowance for loan losses are immaterial and therefore excluded from the presentation. |

----

----

----

----

----

----

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----

|                                   |   | At September 30, 2011  |    |
|----------------------------------------|--------|------------------------|---------|
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   | To Be Well |   |
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   | Capitalized Under |   |
|                                   |   |                   |    |   |   |   |   | For Capital |   |   | Prompt Corrective |   |
|                                   |   | Actual                 |    |   | Adequacy Purposes |   |   | Action Provisions |   |
|                                   |   | Amount                 |    |   | Ratio |   |   | Amount |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
|                                   |   | (Dollars in Thousands) |    |
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total Capital                          |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (to risk-weighted assets)  |   | $                      | 341,731 |   |   |   | 25.90 | % |   | $ | 105,555 |   |   |   | 8.00 | % |   | $ | 131,944 |   |   |   | 10.00 | % |
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tier 1 Capital                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (to risk-weighted assets)  |   | $                      | 336,096 |   |   |   | 25.47 | % |   | $ | 52,778 |   |   |   | 4.00 | % |   | $ | 79,166 |   |   |   | 6.00 | % |
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Core (Tier 1) Capital                  |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (to adjusted total assets) |   | $                      | 336,096 |   |   |   | 12.22 | % |   | $ | 110,025 |   |   |   | 4.00 | % |   | $ | 137,531 |   |   |   | 5.00 | % |
|                                   |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible Capital                       |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   (to adjusted total assets) |   | $                      | 336,096 |   |   |   | 12.22 | % |   | $ | 41,259 |   |   |   | 1.50 | % |   | $ | - |   |   |   | - |   |

----

----

| ·   | the interest income recorded on our earning assets, such as loans, securities and other interest-earning assets; and, |
|--------------------|-----------------------------------------------------------------------------------------------------------------------|

| ·   | the interest expense recorded on our costing liabilities, such as interest-bearing deposits and borrowings. |
|--------------------|-------------------------------------------------------------------------------------------------------------|

----

----

----

----

----

|                                                                                                               |   | At September 30, 2011 |
|--------------------------------------------------------------------------------------------------------------------|--------|-----------------------|
|                                                                                                               |   |                  |   |   |   | Net Portfolio Value |
|                                                                                                               |   | Net Portfolio Value   |   | as % of Present Value of Assets |
|                                                                                                               |   |                  |   |   |   |   |   | Net Portfolio |   | Basis Point |
| Changes in Rates (1)                                                                                          |   | $ Amount              |   | $ Change |   | % Change |   | Value Ratio |   | Change |
|                                                                                                               |   | (In Thousands)        |   |   |   |   |   |   |
| +300 bps                                                                                                           |   | 260,047               |   | -137,223 |   | -35% |   | 10.03% |   | -393 bps |
| +200 bps                                                                                                           |   | 325,803               |   | -71,467 |   | -18% |   | 12.10% |   | -185 bps |
| +100 bps                                                                                                           |   | 372,771               |   | -24,500 |   | -6% |   | 13.42% |   | -53 bps |
|                    0 bps |   | 397,270               |   | - |   | - |   | 13.95% |   |           -        |

|                                                                                                               |   | At June 30, 2011    |
|--------------------------------------------------------------------------------------------------------------------|--------|---------------------|
|                                                                                                               |   |                |   |   |   | Net Portfolio Value |
|                                                                                                               |   | Net Portfolio Value |   | as % of Present Value of Assets |
|                                                                                                               |   |                |   |   |   |   |   | Net Portfolio |   | Basis Point |
| Changes in Rates (1)                                                                                          |   | $ Amount            |   | $ Change |   | % Change |   | Value Ratio |   | Change |
|                                                                                                               |   | (In Thousands)      |   |   |   |   |   |   |
| +300 bps                                                                                                           |   | 246,546             |   | -147,422 |   | -37% |   | 9.60% |   | -429 bps |
| +200 bps                                                                                                           |   | 308,629             |   | -85,339 |   | -22% |   | 11.59% |   | -230 bps |
| +100 bps                                                                                                           |   | 361,606             |   | -32,362 |   | -8% |   | 13.10% |   | -79 bps |
|                    0 bps |   | 393,968             |   | - |   | - |   | 13.89% |   | -        |

----

----

| At September 30, 2011              |
|------------------------------------|
| Rate Change Type                   | Yield Curve Shift | Balance Sheet Composition & Allocation | Change in Rates | Measurement Period | Net Interest Income |  Change in Net Interest Income |  Change in Net Interest Income |
|                               |   |   |   |   | (In Thousands) |   |
| Base case (No change)              | - | Static | 0 bps | One Year | $ | 71,896 | $ | - | - | % |
| Immediate and permanent            | Parallel | Static | +100 bps | One Year |   | 71,403 |   | -494 | -0.69 |   |
| Immediate and  permanent | Parallel | Static | +200 bps | One Year |   | 69,932 |   | -1,965 | -2.73 |   |
| Immediate and  permanent | Parallel | Static | +300 bps | One Year |   | 67,626 |   | -4,271 | -5.94 |   |

| At June 30, 2011                   |
|------------------------------------|
| Rate Change Type                   | Yield Curve Shift | Balance Sheet Composition & Allocation | Change in Rates | Measurement Period | Net Interest Income |  Change in Net Interest Income |  Change in Net Interest Income |
|                               |   |   |   |   | (In Thousands) |   |
| Base case (No change)              | - | Static | 0 bps | One Year | $ | 71,589 | $ | - | - | % |
| Immediate and permanent            | Parallel | Static | +100 bps | One Year |   | 70,361 |   | -1,228 | -1.71 |   |
| Immediate and  permanent | Parallel | Static | +200 bps | One Year |   | 68,133 |   | -3,456 | -4.83 |   |
| Immediate and  permanent | Parallel | Static | +300 bps | One Year |   | 62,925 |   | -8,664 | -12.10 |   |

----

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| ITEM 1.  | Legal Proceedings                                                                                                                                                                                                                                                                                                                |
|----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |                                                                                                                                                                                                                                                                                                                             |
|     | At September 30, 2011, neither the Company nor the Bank were involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business, which involve amounts in the aggregate believed by management to be immaterial to the financial condition of the Company and the Bank. |
|     |                                                                                                                                                                                                                                                                                                                             |
| ITEM 1A. | Risk Factors                                                                                                                                                                                                                                                                                                                     |
|     |                                                                                                                                                                                                                                                                                                                             |
|     | Management of the Company does not believe there have been any material changes with regard to the Risk Factors previously disclosed under Item 1A. of the Company’s Form 10-K for the year ended June 30, 2011, previously filed with the Securities and Exchange Commission.                                             |
|     |                                                                                                                                                                                                                                                                                                                             |
| ITEM 2.  | Unregistered Sales of Equity Securities and Use of Proceeds                                                                                                                                                                                                                                                                      |
|     |                                                                                                                                                                                                                                                                                                                             |
|     | The following table reports information regarding repurchases of the Company’s common stock during the quarter ended September 30, 2011.                                                                                                                                                                                   |

|   |  Period          |    Total Number of Shares Purchased |     Average Price Paid per Share | Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs | Maximum  Number of  Shares thatMay Yet Be Purchased Under the Plans orPrograms (1) |
|--------|-----------------------|----------------------------------------------------|------------------------------------------------------|----------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------|
|   | July 1-31,  2011 | 34,206                                             | $                                                    | 9.28                                                                             |   34,206                                                                           | 0 |
|   | August 1-31, 2011     | 39,700                                             | $                                                    | 8.58                                                                             |   39,700                                                                           | 805,331 |
|   | September 1-30, 2011  | 216,300                                            | $                                                    | 8.83                                                                             | 216,300                                                                                      | 589,031 |
|   |  Total           | 290,206                                            |  $                                              | 8.85                                                                             | 290,206                                                                                      | 589,031 |

|    |  (1) On August 17, 2011, the Company announced the authorization of a sixth repurchase program for up to 845,031 shares or 5% of shares outstanding.  |
|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ITEM 3. | Defaults Upon Senior Securities                                                                                                                                 |
|    |                                                                                                                                                            |
|    | Not applicable.                                                                                                                                                 |
|    |                                                                                                                                                            |
| ITEM 4. | [Reserved]                                                                                                                                                      |

----

| ITEM 5. | Other Information                                        |
|---------|----------------------------------------------------------|
|    |                                                     |
|    | None.                                                    |
|    |                                                     |
| ITEM 6. | Exhibits                                                 |
|    |                                                     |
|    | The following Exhibits are filed as part of this report: |
|    |                                                     |
|    |                                                     |   3.1 | Charter of Kearny Financial Corp. (1) |
|    |                                                     |   3.2 | By-laws of Kearny Financial Corp. (2) |
|    |                                                     |   4.0 | Specimen Common Stock Certificate of Kearny Financial Corp. (1) |
|    |                                                     | 10.1 | Employment Agreement between Kearny Federal Savings Bank and Albert E. Gossweiler (2) |
|    |                                                     | 10.2 | Employment Agreement between Kearny Federal Savings Bank and Sharon Jones (2) |
|    |                                                     | 10.3 | Employment Agreement between Kearny Federal Savings Bank and William C. Ledgerwood (2) |
|    |                                                     | 10.4 | Employment Agreement between Kearny Federal Savings Bank and Erika K. Parisi (2) |
|    |                                                     | 10.5 | Employment Agreement between Kearny Federal Savings Bank and Patrick M. Joyce (2) |
|    |                                                     | 10.6 | Employment Agreement between Kearny Federal Savings Bank and Craig L. Montanaro (2) |
|    |                                                     | 10.7 | Directors Consultation and Retirement Plan (1) |
|    |                                                     | 10.8 | Benefit Equalization Plan (1) |
|    |                                                     | 10.9 | Benefit Equalization Plan for Employee Stock Ownership  Plan (1) |
|    |                                                     | 10.10 | Kearny Financial Corp. 2005 Stock Compensation and Incentive Plan (3) |
|    |                                                     | 10.11 | Kearny Federal Savings Bank Director Life Insurance Agreement (4) |
|    |                                                     | 10.12 | Kearny Federal Savings Bank Executive Life Insurance Agreement (4) |
|    |                                                     | 10.13 | Kearny Financial Corp. Directors Incentive Compensation Plan (5) |
|    |                                                     | 10.14 | Employment Agreement between Kearny Federal Savings Bank and Eric B. Heyer (6) |
|    |                                                     | 11.0 | Statement regarding computation of earnings per share (Filed herewith). |
|    |                                                     | 31.0 | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 |
|    |                                                     | 32.0 | Certification pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |
|    |                                                     | 101 | Interactive Data Files (to be filed by amendment) |

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|   |   | (1)   | Incorporated by reference to the identically numbered exhibit to the Registrant’s Registration Statement on Form S-1 (File No. 333-118815).          |
|--------|--------|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   | (2)   | Incorporated by reference to the exhibit to the Registrant’s Annual Report on Form 10-K filed for the year ended June 30, 2008 (File No. 000-51093). |
|   |   | (3)   | Incorporated by reference to Exhibit 4.1 to the Registrant’s Registration Statement on Form S-8 (File No. 333-130204).                               |
|   |   | (4)   | Incorporated by reference to the exhibits to the Registrant’s Form   8-K filed on August 18, 2005 (File No. 000-51093).               |
|   |   | (5)   | Incorporated by reference to the exhibit to the Registrant’s Form 8-K filed on December 9, 2005 (File No. 000-51093).                                |
|   |   | (6)   | Incorporated by reference to the exhibit to the Registrant’s Form 8-K filed on June 30, 2011 (File No. 000-51093).                                   |

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|   |             |   | KEARNY FINANCIAL CORP. |
|--------|------------------|--------|------------------------|
|   |             |   |                   |   |
| Date:  | November 9, 2011 |   | By:                    | /s/ Craig L. Montanaro |
|   |             |   |                   | Craig L. Montanaro |
|   |             |   |                   | President and Chief Executive Officer |
|   |             |   |                   | (Duly authorized officer and principal executive officer) |
|   |             |   |                   |   |
| Date:  | November 9, 2011 |   | By:                    | /s/ Eric B. Heyer |
|   |             |   |                   | Eric B. Heyer |
|   |             |   |                   | Senior Vice President and |
|   |             |   |                   | Chief Financial Officer |
|   |             |   |                   | (Principal financial and accounting officer) |