| Washington                                                            | 91-1863696                         |
|----------------------------------------------------------------------------|-----------------------------------------|
| (State or other jurisdiction of incorporation or organization)   | (IRS Employer Identification No.)  |
|                                                                       |                                    |
| 624 Simpson Avenue, Hoquiam, Washington                     | 98550                              |
| (Address of principal executive offices)                              | (Zip Code)                         |

| Large accelerated filer ___  | Accelerated Filer               | Non-accelerated filer __  | Smaller reporting company _X_  |
|-----------------------------------|--------------------------------------------------------------------------------------------------|--------------------------------|-------------------------------------|

| CLASS                                          | SHARES OUTSTANDING AT July 31, 2012                                                                                                                                          |
|------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Common stock, $.01 par value    |                            7,045,036  |

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|                                                                                 |                                                                                             |  Page |
|--------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------|------------|
| PART I.                                                                         | FINANCIAL INFORMATION                                                                       |       |
|                                                                                 |                                                                                             |       |   |
|  Item 1.                                                              | Financial Statements (unaudited)                                                            |       |   |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Condensed Consolidated Balance Sheets                                                            |       | 3  |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Condensed Consolidated Statements of Operations                                             |       | 4-5  |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Condensed Consolidated Statements of Comprehensive Income (Loss)                            | 6     |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Condensed Consolidated Statements of Shareholders’ Equity                             |       | 7  |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Condensed Consolidated Statements of Cash Flows                                             |       | 8-9 |
|                                                                                 |                                                                                             |       |   |
|                                                                                 | Notes to Unaudited Condensed Consolidated Financial Statements                                   |       | 10-32  |
|                                                                                 |                                                                                             |       |   |
| Item 2.                                                                    | Management’s Discussion and Analysis of Financial Condition and Results of Operations |       | 33-44  |
|                                                                                 |                                                                                             |       |   |
| Item 3.                                                                    | Quantitative and Qualitative Disclosures About Market Risk                                  |       | 45  |
|                                                                                 |                                                                                             |       |   |
| Item 4.                                                                    | Controls and Procedures                                                                |       | 45  |
|                                                                                 |                                                                                             |       |   |
| PART II.                                                                        | OTHER INFORMATION                                                                           |       |   |
|                                                                                 |                                                                                             |       |   |
|  Item 1.                                                              | Legal Proceedings                                                                           |       | 45  |
|                                                                                 |                                                                                             |       |   |
|  Item 1A.                                                                       | Risk Factors                                                                                |       | 45 |
|                                                                                 |                                                                                             |       |   |
| Item 2.                                                                    | Unregistered Sales of Equity Securities and Use of Proceeds                                 |       | 45 |
|                                                                                 |                                                                                             |       |   |
|  Item 3.                                                         | Defaults Upon Senior Securities                                                             |       | 45  |
|                                                                                 |                                                                                             |       |   |
|  Item 4.                                                         | Mine Safety Disclosures                                                           |       | 45 |
|                                                                                 |                                                                                             |       |   |
|  Item 5.                                                         | Other Information                                                                      |       | 46  |
|                                                                                 |                                                                                             |       |   |
|  Item 6.                                                         | Exhibits                                                                               |       | 46  |
|                                                                                 |                                                                                             |       |   |
| SIGNATURES                                                            |                                                                                             | 47    |
| Certifications                                                                       |                                                                                             |       |
|             Exhibit 31.1 |                                                                                             |       |
|             Exhibit 31.2 |                                                                                             |       |
|             Exhibit 32   |                                                                                             |       |

----

|                                                                                                                                                                                |   | June 30, |          |   | September 30, |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------|---------------|--------|---------------|--------|
|                                                                                                                                                                                |   | 2012     |          |   | 2011          |   |
| Assets                                                                                                                                                                              |   |     |          |   |          |   |
| Cash and cash equivalents:                                                                                                                                                          |   |     |          |   |          |   |
|      Cash and due from financial institutions                                                                                                              |   | $        | 12,489        |   |          | $      | 11,455 |   |
|      Interest-bearing deposits in banks                                                                                                                    |   |     | 80,499        |   |          |   | 100,610 |   |
|      Total cash and cash equivalents                                                                                                                       |   |     | 92,988        |   |          |   | 112,065 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| Certificates of deposit (“CDs”) held for investment (at cost which     approximates fair value)                                                |   |     | 22,781        |   |          |   | 18,659 |   |
| Mortgage-backed securities (“MBS”) and other investments - held to     maturity, at amortized cost (estimated fair value $3,651 and $4,229)    |   |     | 3,503         |   |          |   | 4,145 |   |
| MBS and other investments - available for sale                                                                                                                                      |   |     | 5,113         |   |          |   | 6,717 |   |
| Federal Home Loan Bank of Seattle (“FHLB”) stock                                                                                                                        |   |     | 5,705         |   |          |   | 5,705 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| Loans receivable                                                                                                                                                                    |   |     | 544,708       |   |          |   | 535,926 |   |
| Loans held for sale                                                                                                                                                                 |   |     | 4,064         |   |          |   | 4,044 |   |
| Less: Allowance for loan losses                                                                                                                                                     |   |     | (11,603       | )      |          |   | (11,946 | ) |
|      Net loans receivable                                                                                                                                  |   |     | 537,169       |   |          |   | 528,024 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| Premises and equipment, net                                                                                                                                                         |   |     | 17,723        |   |          |   | 17,390 |   |
| Other real estate owned (“OREO”) and other repossessed assets, net                                                                                                      |   |     | 9,997         |   |          |   | 10,811 |   |
| Accrued interest receivable                                                                                                                                                         |   |     | 2,161         |   |          |   | 2,411 |   |
| Bank owned life insurance (“BOLI”)                                                                                                                                      |   |     | 16,374        |   |          |   | 15,917 |   |
| Goodwill                                                                                                                                                                            |   |     | 5,650         |   |          |   | 5,650 |   |
| Core deposit intangible (“CDI”)                                                                                                                                         |   |     | 286           |   |          |   | 397 |   |
| Mortgage servicing rights (“MSRs”), net                                                                                                                                 |   |     | 2,150         |   |          |   | 2,108 |   |
| Prepaid Federal Deposit Insurance Corporation (“FDIC”) insurance     assessment                                                                |   |     | 1,415         |   |          |   | 2,103 |   |
| Other assets                                                                                                                                                                        |   |     | 6,121         |   |          |   | 6,122 |   |
|      Total assets                                                                                                                                          |   | $        | 729,136       |   |          | $      | 738,224 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| Liabilities and shareholders’ equity                                                                                                                                          |   |     |          |   |          |   |   |   |
| Liabilities:                                                                                                                                                                        |   |     |          |   |          |   |   |   |
| Deposits: Non-interest-bearing demand                                                                                                                                               |   | $        | 70,004        |   |          | $      | 64,494 |   |
| Deposits: Interest-bearing                                                                                                                                                          |   |     | 520,362       |   |          |   | 528,184 |   |
|      Total deposits                                                                                                                                        |   |     | 590,366       |   |          |   | 592,678 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| FHLB advances                                                                                                                                                                       |   |     | 45,000        |   |          |   | 55,000 |   |
| Repurchase agreements                                                                                                                                                               |   |     | 826           |   |          |   | 729 |   |
| Other liabilities and accrued expenses                                                                                                                                              |   |     | 3,669         |   |          |   | 3,612 |   |
|      Total liabilities                                                                                                                                     |   |     | 639,861       |   |          |   | 652,019 |   |
|                                                                                                                                                                                |   |     |          |   |          |   |   |   |
| Shareholders’ equity                                                                                                                                                          |   |     |          |   |          |   |   |   |
| Preferred stock, $.01 par value; 1,000,000 shares authorized;   16,641 shares, Series A, issued and outstanding;   $1,000 per share liquidation value |   |     |   16,168 |   |          |   |   15,989 |   |
| Common stock, $.01 par value; 50,000,000 shares authorized;   7,045,036 shares issued and outstanding                                                                |   |     | 10,500        |   |          |   | 10,457 |   |
| Unearned shares - Employee Stock Ownership Plan (“ESOP”)                                                                                                                |   |     | (1,785        | )      |          |   | (1,983 | ) |
| Retained earnings                                                                                                                                                                   |   |     | 64,905        |   |          |   | 62,270 |   |
| Accumulated other comprehensive loss                                                                                                                                                |   |     | (513          | )      |          |   | (528 | ) |
|      Total shareholders’ equity                                                                                                                      |   |     | 89,275        |   |          |   | 86,205 |   |
|      Total liabilities and shareholders’ equity                                                                                                      |   | $        | 729,136       |   |          | $      | 738,224 |   |

----

|                                                                                          |   | Three Months Ended June 30,                                                                                                |   | Nine Months Ended June 30, |
|-----------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|
|                                                                                          |   | 2012                                                                                                                       | 2011   |                       | 2012 | 2011 |
| Interest and dividend income                                                                  |   |                                                                                                                       |   |                       |   |   |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Loans receivable                                                |   | $7,842                                                                                                                     | $8,192 |                       | $23,254 | $24,966 |
|      MBS and other investments                                       |   | 89                                                                                                                         | 141    |                       | 323 | 486 |
|      Dividends from mutual funds                                     |   | 6                                                                                                                          | 8      |                       | 26 | 23 |
|      Interest-bearing deposits in banks                              |   | 82                                                                                                                         | 90     |                       | 252 | 260 |
|      Total interest and dividend income                              |   | 8,019                                                                                                                      | 8,431  |                       | 23,855 | 25,735 |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
| Interest expense                                                                              |   |                                                                                                                       |   |                       |   |   |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Deposits                                                        |   | 925                                                                                                                        | 1,463  |                       | 3,128 | 4,805 |
|      FHLB advances                                                   |   | 466                                                                                                                        | 556    |                       | 1,525 | 1,835 |
|      Total interest expense                                          |   | 1,391                                                                                                                      | 2,019  |                       | 4,653 | 6,640 |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Net interest income                                             |   | 6,628                                                                                                                      | 6,412  |                       | 19,202 | 19,095 |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
| Provision for loan losses                                                                     |   | 900                                                                                                                        | 3,400  |                       | 2,600 | 5,000 |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Net interest income after provision for loan                    |   |                                                                                                                       |   |                       |   |   |
|          losses                                  |   | 5,728                                                                                                                      | 3,012  |                       | 16,602 | 14,095 |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
| Non-interest income                                                                           |   |                                                                                                                       |   |                       |   |   |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Other than temporary impairment (“OTTI”)            |   |                                                                                                                       |   |                       |   |   |
|        on MBS and other investments                        |   | (60)                                                                                                                       | (70)   |                       | (182) | (224) |
|      Adjustment for portion recorded as  transferred from other |   |                                                                                                                       |   |                       |   |   |
|        comprehensive income (loss) before taxes       |   | 23                                                                                                                         | (95)   |                       | (8) | (112) |
|          Net OTTI on MBS and other investments   |   | (37)                                                                                                                       | (165)  |                       | (190) | (336) |
|                                                                                          |   |                                                                                                                       |   |                       |   |   |
|      Realized losses on MBS and other investments                    |   |                     -- | --     |                       | -- | (2) |
|      Gain on sales of MBS and other investments                      |   | 2                                                                                                                          | --     |                       | 22 | 79 |
|      Service charges on deposits                                     |   | 955                                                                                                                        | 993    |                       | 2,815 | 2,875 |
|      ATM and debit card interchange transaction fees                 |   | 564                                                                                                                        | 515    |                       | 1,621 | 1,384 |
|      BOLI net earnings                                               |   | 146                                                                                                                        | 121    |                       | 457 | 361 |
|      Gain on sales of loans, net                                     |   | 567                                                                                                                        | 247    |                       | 1,722 | 1,214 |
|      Escrow fees                                                     |   | 30                                                                                                                         | 16     |                       | 79 | 55 |
|      Valuation recovery (allowance) on MSRs                          |   | (82)                                                                                                                       | (137)  |                       | 144 | 703 |
|      Fee income from non-deposit investment sales                    |   | 20                                                                                                                         | 25     |                       | 58 | 73 |
|      Other                                                           |   | 176                                                                                                                        | 146    |                       | 550 | 414 |
|      Total non-interest income, net                                  |   | 2,341                                                                                                                      | 1,761  |                       | 7,278 | 6,820 |

| See notes to unaudited condensed consolidated financial statements |
|--------------------------------------------------------------------|

----

|                                                                 |   | Three Months Ended June 30, |      | Nine Months Ended June 30, |
|----------------------------------------------------------------------|--------|-----------------------------|-----------|----------------------------|
|                                                                 |   | 2012                        | 2011      |                       | 2012 | 2011 |
| Non-interest expense                                                 |   |                        |      |                       |   |   |
|                                                                 |   |                        |      |                       |   |   |
|      Salaries and employee benefits         |   | $ 3,006                     | $ 3,150   |                       | $ 8,989 | $ 9,393 |
|      Premises and equipment                 |   | 647                         | 640       |                       | 1,979 | 1,967 |
|      Advertising                            |   | 173                         | 235       |                       | 553 | 604 |
|      OREO and other repossessed assets, net |   | 363                         | 496       |                       | 1,299 | 930 |
|      ATM expenses                           |   | 206                         | 203       |                       | 598 | 583 |
|      Postage and courier                    |   | 124                         | 139       |                       | 381 | 400 |
|      Amortization of CDI                    |   | 37                          | 42        |                       | 111 | 125 |
|      State and local taxes                  |   | 159                         | 155       |                       | 460 | 475 |
|      Professional fees                      |   | 217                         | 190       |                       | 628 | 567 |
|      FDIC insurance                         |   | 237                         | 248       |                       | 703 | 919 |
|      Other insurance                        |   | 51                          | 56        |                       | 161 | 299 |
|      Loan administration and foreclosure    |   | 82                          | 345       |                       | 615 | 711 |
|      Data processing and telecommunications |   | 303                         | 285       |                       | 918 | 847 |
|      Deposit operations                     |   | 177                         | 202       |                       | 593 | 447 |
|      Other                                  |   | 315                         | 396       |                       | 903 | 1,069 |
|      Total non-interest expense             |   | 6,097                       | 6,782     |                       | 18,891 | 19,336 |
|                                                                 |   |                        |      |                       |   |   |
| Income (loss) before federal and state income                        |   |                        |      |                       |   |   |
|    taxes                                              |   | 1,972                       | (2,009)   |                       | 4,989 | 1,579 |
|                                                                 |   |                        |      |                       |   |   |
| Provision (benefit) for federal and state income                     |   |                        |      |                       |   |   |
|    taxes                                              |   | 624                         | (729)     |                       | 1,551 | 417 |
|                                                                 |   |                        |      |                       |   |   |
|      Net income (loss)                      |   | 1,348                       | (1,280)   |                       | 3,438 | 1,162 |
|                                                                 |   |                        |      |                       |   |   |
| Preferred stock dividends                                            |   | (208)                       | (208)     |                       | (624) | (624) |
| Preferred stock discount accretion                                   |   | (61)                        | (57)      |                       | (179) | (168) |
|                                                                 |   |                        |      |                       |   |   |
| Net income (loss) to common shareholders                             |   | $   1,079    | $ (1,545) |                       | $ 2,635 | $   370 |
|                                                                 |   |                        |      |                       |   |   |
| Net income (loss) per common share                                   |   |                        |      |                       |   |   |
|      Basic                                  |   | $ 0.16                      | $ (0.23)  |                       | $  0.39 | $  0.05 |
|      Diluted                                |   | $ 0.16                      | $ (0.23)  |                       | $  0.39 | $  0.05 |
|                                                                 |   |                        |      |                       |   |   |
| Weighted average common shares outstanding                           |   |                        |      |                       |   |   |
|      Basic                                  |   | 6,780,516                   | 6,745,250 |                       | 6,780,516 | 6,745,250 |
|      Diluted                                |   | 6,780,516                   | 6,745,250 |                       | 6,780,516 | 6,745,487 |

| See notes to unaudited condensed consolidated financial statements |
|--------------------------------------------------------------------|

----

|                                                                                                                                                                                                                                               |   | Three Months Ended June 30, |      | Nine Months Ended June 30, |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------|-----------|----------------------------|
|                                                                                                                                                                                                                                               |   | 2012                        | 2011      |                       | 2012 | 2011 |
| Comprehensive income (loss):                                                                                                                                                                                                                       |   |                        |      |                       |   |   |
|      Net income (loss)                                                                                                                                                                                                    |   | $  1,348          | $ (1,280) |                       | $ 3,438 | $ 1,162 |
|      Unrealized holding gain (loss) on securities                                                                                                                                                                         |   |                        |      |                       |   |   |
|         available for sale, net of tax                                                                                                                                                                     |   | 39                          | 50        |                       | (17) | 2 |
|      Change in OTTI on securities held to maturity,        net of tax:                                                                                                            |   |                        |      |                       |   |   |
|             Additions                                                                                                                                                                  |   | --                          | (9)       |                       | (27) | (65) |
|             Additional amount recognized related to               credit loss for which OTTI was previously |   |                        |      |                       |   |   |
|                recognized                                                                                                                                               |   | 5                           | 5         |                       | 1 | 15 |
|             Amount reclassified to credit loss for                                                                                                                                     |   |                        |      |                       |   |   |
|                previously recorded market loss                                                                                                                          |   | 10                          | 67        |                       | 21 | 124 |
|      Accretion of OTTI securities held to maturity,                                                                                                                                                                       |   |                        |      |                       |   |   |
|         net of tax                                                                                                                                                                                         |   | 11                          | 8         |                       | 37 | 27 |
|                                                                                                                                                                                                                                               |   |                        |      |                       |   |   |
| Total comprehensive income (loss)                                                                                                                                                                                                                  |   | $   1,413    | $ (1,159) |                       | $ 3,453 | $ 1,265 |

----

|                                                                                                          | Number of Shares |   | Amount       |   | Unearned        |   |        |   | AccumulatedOtherCompre- |   |              |
|---------------------------------------------------------------------------------------------------------------|------------------|--------|--------------|--------|-----------------|--------|-------------|--------|-------------------------|--------|-------------------|
|                                                                                                          | PreferredStock   |   | Common Stock |   | Preferred Stock |   | CommonStock |   | SharesESOP              |   | Retained Earnings |   | hensiveLoss |   |  Total |
|                                                                                                          |             |   |         |   |            |   |        |   |                    |   |              |   |   |   |   |
| Balance, September 30, 2010                                                                                   | 16,641           |   | 7,045,036    |   | $15,764         |   | $10,377     |   | $(2,247)                |   | $62,238           |   | $(724) |   | $85,408 |
|                                                                                                          |             |   |         |   |            |   |        |   |                    |   |              |   |   |   |   |
| Net income                                                                                                    | --               |   | --           |   | --              |   | --          |   | --                      |   | 1,089             |   | -- |   | 1,089 |
| Accretion of preferred stock discount                                                                         | --               |   | --           |   | 225             |   | --          |   | --                      |   | (225)             |   | -- |   | -- |
| 5% preferred stock dividend                                                                                   | --               |   | --           |   | --              |   | --          |   | --                      |   | (832)             |   | -- |   | (832) |
| Earned ESOP shares                                                                                            | --               |   | --           |   | --              |   | (61)        |   | 264                     |   | --                |   | -- |   | 203 |
| MRDP (1) compensation expense                                                                                 | --               |   | --           |   | --              |   | 134         |   | --                      |   | --                |   | -- |   | 134 |
| Stock option compensation expense                                                                             | --               |   | --           |   | --              |   | 7           |   | --                      |   | --                |   | -- |   | 7 |
| Unrealized holding gain on securities       available for sale, net of tax | --               |   | --           |   | --              |   | --          |   | --                      |   | --                |   | 14 |   | 14 |
| Change in OTTI on securities       held to maturity, net of tax            | --               |   | --           |   | --              |   | --          |   | --                      |   | --                |   | 139 |   | 139 |
| Accretion of OTTI on securities       held to maturity, net of tax         | --               |   | --           |   | --              |   | --          |   | --                      |   | --                |   | 43 |   | 43 |
|                                                                                                          |             |   |         |   |            |   |        |   |                    |   |              |   |   |   |   |
| Balance, September 30, 2011                                                                                   | 16,641           |   | 7,045,036    |   | 15,989          |   | 10,457      |   | (1,983)                 |   | 62,270            |   | (528) |   | 86,205 |
|                                                                                                          |             |   |         |   |            |   |        |   |                    |   |              |   |   |   |   |
| Net income                                                                                                    | --               |   | --           |   | --              |   | --          |   | --                      |   | 3,438             |   | -- |   | 3,438 |
| Accretion of preferred stock discount                                                                         | --               |   | --           |   | 179             |   | --          |   | --                      |   | (179)             |   | -- |   | -- |
| 5% preferred stock dividend                                                                                   | --               |   | --           |   | --              |   | --          |   | --                      |   | (624)             |   | -- |   | (624) |
| Earned ESOP shares                                                                                            | --               |   | --           |   | --              |   | (53)        |   | 198                     |   | --                |   | -- |   | 145 |
| MRDP  compensation expense                                                                          | --               |   | --           |   | --              |   | 85          |   | --                      |   | --                |   | -- |   | 85 |
| Stock option compensation expense                                                                             | --               |   | --           |   | --              |   | 11          |   | --                      |   | --                |   | -- |   | 11 |
| Unrealized holding loss on securities       available for sale, net of tax | --               |   | --           |   | --              |   | --          |   | --                      |   | --                |   | (17) |   | (17) |
| Change in OTTI on securities       held to maturity, net of tax            | --               |   | --           |   | --              |   | --          |   | --                      |   | --                |   | (5) |   | (5) |
| Accretion of OTTI on securities       held to maturity, net of tax         |             |   |         |   |            |   | --          |   | --                      |   | --                |   | 37 |   | 37 |
|                                                                                                          |             |   |         |   |            |   |        |   |                    |   |              |   |   |   |   |
| Balance, June 30, 2012                                                                                        | 16,641           |   | 7,045,036    |   | $16,168         |   | $10,500     |   | $(1,785)                |   | $64,905           |   | $(513) |   | $89,275 |

----

|                                                                                                                              |   | Nine Months Ended June 30, |
|-----------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|
|                                                                                                                              |   | 2012                       | 2011 |
| Cash flows from operating activities                                                                                              |   |                       |   |
| Net income                                                                                                                        |   | $   3,438   | $   1,162 |
| Adjustments to reconcile net income to net cash provided by   operating activities:                                |   |                       |   |
|        Provision for loan losses                                                               |   | 2,600                      | 5,000 |
|        Depreciation                                                                            |   | 684                        | 743 |
|        Deferred federal income taxes                                                           |   | 366                        | (412) |
|        Amortization of CDI                                                                     |   | 111                        | 125 |
|        Earned ESOP shares                                                                      |   | 198                        | 198 |
|        MRDP compensation expense                                                               |   | 85                         | 129 |
|        Stock option compensation expense                                                       |   | 11                         | 5 |
|        Loss (gain) on sales of OREO and other repossessed assets, net                          |   | 290                        | (527) |
|        Provision for OREO losses                                                               |   | 609                        | 973 |
|        Loss on disposition of premises and equipment                                           |   | --                         | 3 |
|        BOLI net earnings                                                                       |   | (457)                      | (361) |
|        Gain on sales of loans, net                                                             |   | (1,722)                    | (1,214) |
|        Decrease in deferred loan origination fees                                              |   | (181)                      | (241) |
|        Net OTTI on MBS and other investments                                                   |   | 190                        | 336 |
|        Gain on sales of MBS and other investments                                              |   | (22)                       | (79) |
|        Realized losses on held to maturity securities                                          |   | --                         | 2 |
|        Valuation recovery on MSRs                                                              |   | (144)                      | (703) |
|        Loans originated for sale                                                               |   | (67,112)                   | (44,266) |
|        Proceeds from sales of loans                                                            |   | 68,814                     | 47,684 |
|        Increase (decrease) in other assets, net                                                |   | 622                        | (15) |
|        Increase in other liabilities and accrued expenses, net                                 |   | 433                        | 177 |
| Net cash provided by operating activities                                                                                         |   | 8,813                      | 8,719 |
|                                                                                                                              |   |                       |   |
| Cash flows from investing activities                                                                                              |   |                       |   |
| Net increase in CDs held for investment                                                                                           |   | (4,122)                    | (40) |
| Proceeds from maturities and prepayments of MBS and other       investments available for sale |   |  829                  |  1,248 |
| Proceeds from maturities and prepayments of MBS and other       investments held to maturity   |   |  574                  |  697 |
| Proceeds from sales of MBS and other investments                                                                                  |   | 743                        | 2,272 |
| Increase in loans receivable, net                                                                                                 |   | (12,676)                   | (3,476) |
| Additions to premises and equipment                                                                                               |   | (1,017)                    | (344) |
| Proceeds from sales of OREO and other repossessed assets                                                                          |   | 1,047                      | 2,883 |
| Net cash (used in) provided by investing activities                                                                               |   | (14,622)                   | 3,240 |
|                                                                                                                              |   |                       |   |
| Cash flows from financing activities                                                                                              |   |                       |   |
| (Decrease) increase in deposits, net                                                                                              |   | (2,312)                    | 10,629 |
| Repayment of FHLB advances                                                                                                        |   | (10,000)                   | (20,000) |
| Increase (decrease) in repurchase agreements                                                                                      |   | 97                         | (24) |
| ESOP tax effect                                                                                                                   |   | (53)                       | (47) |
| Dividends paid                                                                                                                    |   | (1,000)                    | - - |
| Net cash used in financing activities                                                                                             |   | (13,268)                   | (9,442) |

----

|                                                                                             |   | Nine Months Ended June 30,      |
|--------------------------------------------------------------------------------------------------|--------|---------------------------------|
|                                                                                             |   | 2012                            | 2011 |
|                                                                                             |   |                            |   |
| Net (decrease) increase in cash and cash equivalents                                             |   | $  (19,077)           | $      2,517 |
| Cash and cash equivalents                                                                        |   |                            |   |
|        Beginning of period                                    |   | 112,065                         | 111,786 |
|        End of period                                          |   | $    92,988 | $  114,303 |
|                                                                                             |   |                            |   |
| Supplemental disclosure of cash flow information                                                 |   |                            |   |
|        Income taxes paid                                      |   | $   1,463        | $   2,097 |
|        Interest paid                                          |   | 4,770                           | 6,786 |
|                                                                                             |   |                            |   |
| Supplemental disclosure of non-cash investing activities                                         |   |                            |   |
|        Loans transferred to OREO and other repossessed assets |   | $   4,906        | $   4,344 |
|        Loans originated to facilitate the sale of OREO        |   | 3,744                           | 1,538 |

----

----

|                                                                                  |   | AmortizedCost |   |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | EstimatedFair Value |   |
|---------------------------------------------------------------------------------------|--------|---------------|--------|--------|----------------------|--------|--------|-----------------------|--------|--------|---------------------|--------|
| June 30, 2012                                                                         |   |          |   |   |                 |   |   |                  |   |   |                |   |
| Held to Maturity                                                                      |   |          |   |   |                 |   |   |                  |   |   |                |   |
|     MBS:                                                          |   |          |   |   |                 |   |   |                  |   |   |                |   |
|           U.S. government agencies  |   | $             | 1,577  |   |                 | $      | 40     |                  |   | $      | (5                  | )      |   | $ | 1,612 |   |
|           Private label residential |   |          | 1,899  |   |                 |   | 212    |                  |   |   | (102                | )      |   |   | 2,009 |   |
|     U.S. agency securities                                        |   |          | 27     |   |                 |   | 3      |                  |   |   | --                  |   |   |   | 30 |   |
|       Total                                             |   | $             | 3,503  |   |                 | $      | 255    |                  |   | $      | (107                | )      |   | $ | 3,651 |   |
|                                                                                  |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
| Available for Sale                                                                    |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|     MBS:                                                          |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|           U.S. government agencies  |   | $             | 2,995  |   |                 | $      | 145    |                  |   | $      | --                  |   |   | $ | 3,140 |   |
|           Private label residential |   |          | 1,050  |   |                 |   | 56     |                  |   |   | (138                | )      |   |   | 968 |   |
|     Mutual funds                                                  |   |          | 1,000  |   |                 |   | 5      |                  |   |   | --                  |   |   |   | 1,005 |   |
|        Total                                       |   | $             | 5,045  |   |                 | $      | 206    |                  |   | $      | (138                | )      |   | $ | 5,113 |   |
|                                                                                  |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
| September 30, 2011                                                                    |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
| Held to Maturity                                                                      |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|     MBS:                                                          |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|           U.S. government agencies  |   | $             | 1,831  |   |                 | $      | 45     |                  |   | $      | (4                  | )      |   | $ | 1,872 |   |
|           Private label residential |   |          | 2,287  |   |                 |   | 311    |                  |   |   | (271                | )      |   |   | 2,327 |   |
|     U.S. agency securities                                        |   |          | 27     |   |                 |   | 3      |                  |   |   | --                  |   |   |   | 30 |   |
|       Total                                             |   | $             | 4,145  |   |                 | $      | 359    |                  |   | $      | (275                | )      |   | $ | 4,229 |   |
|                                                                                  |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
| Available for Sale                                                                    |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|     MBS:                                                          |   |          |   |   |                 |   |   |                  |   |   |                |   |   |   |   |   |
|           U.S. government agencies  |   | $             | 4,395  |   |                 | $      | 188    |                  |   | $      | --                  |   |   | $ | 4,583 |   |
|           Private label residential |   |          | 1,227  |   |                 |   | 59     |                  |   |   | (152                | )      |   |   | 1,134 |   |
|     Mutual funds                                                  |   |          | 1,000  |   |                 |   | --     |                  |   |   | --                  |   |   |   | 1,000 |   |
|        Total                                       |   | $             | 6,622  |   |                 | $      | 247    |                  |   | $      | (152                | )      |   | $ | 6,717 |   |

----

|                                                                |   | Less Than 12 Months |   |   | 12 Months or Longer    |   |   | Total              |   |
|---------------------------------------------------------------------|--------|---------------------|--------|--------|------------------------|--------|--------|--------------------|--------|
|                                                                |   | EstimatedFairValue  |   |   | GrossUnrealized Losses |   |   | EstimatedFairValue |   |   | GrossUnrealized Losses |   |   | EstimatedFairValue |   |   | GrossUnrealized Losses |   |
| Held to Maturity   MBS:                              |   |                |   |   |                   |   |   |               |   |   |   |   |   |   |   |   |   |   |
|        U.S. government agencies  |   | $                   | - -    |   |                   | $      | - -    |               |   | $ | 266 |   |   | $ | (5 | ) |   | $ | 266 |   |   | $ | (5 | ) |
|        Private label residential |   |                | 92     |   |                   |   | (7     | )                  |   |   | 787 |   |   |   | (95 | ) |   |   | 879 |   |   |   | (102 | ) |
|      Total                                 |   | $                   | 92     |   |                   | $      | (7     | )                  |   | $ | 1,053 |   |   | $ | (100 | ) |   | $ | 1,145 |   |   | $ | (107 | ) |
|                                                                |   |                |   |   |                   |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Available for Sale                                             |   |                |   |   |                   |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    MBS:                                              |   |                |   |   |                   |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        U.S. government agencies  |   | $                   | - -    |   |                   | $      | - -    |               |   | $ | - - |   |   | $ | - - |   |   | $ | - - |   |   | $ | - - |   |
|        Private label residential |   |                | - -    |   |                   |   | - -    |               |   |   | 660 |   |   |   | (138 | ) |   |   | 660 |   |   |   | (138 | ) |
|    Mutual funds                                      |   |                | - -    |   |                   |   | - -    |               |   |   | - - |   |   |   | - - |   |   |   | - - |   |   |   | - - |   |
|      Total                                 |   | $                   | - -    |   |                   | $      | - -    |               |   | $ | 660 |   |   | $ | (138 | ) |   | $ | 660 |   |   | $ | (138 | ) |
|                                                                |   |                |   |   |                   |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                     |   | Range   |   |   | Weighted |   |
|--------------------------|--------|---------|--------|--------|----------|--------|
|                     |   | Minimum |   |   | Maximum  |   |   | Average |   |
| At June 30, 2012         |   |    |   |   |     |   |   |   |   |
| Constant prepayment rate |   |    | 6.00   | %      |     |   | 15.00 | % |   |   | 8.80 | % |
| Collateral default rate  |   |    | 0.85   | %      |     |   | 25.67 | % |   |   | 9.20 | % |
| Loss severity rate       |   |    | 24.74  | %      |     |   | 69.60 | % |   |   | 50.10 | % |
|                     |   |    |   |   |     |   |   |   |   |   |   |   |
| At September 30, 2011    |   |    |   |   |     |   |   |   |   |   |   |   |
| Constant prepayment rate |   |    | 6.00   | %      |     |   | 15.00 | % |   |   | 10.71 | % |
| Collateral default rate  |   |    | 0.43   | %      |     |   | 24.23 | % |   |   | 8.03 | % |
| Loss severity rate       |   |    | 11.93  | %      |     |   | 64.54 | % |   |   | 39.22 | % |

----

|                                                                                                                                                                                          | Three Months EndedJune 30, 2012 |   |                         | Three Months EndedJune 30, 2011 |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------|--------|------------------------------|---------------------------------|
|                                                                                                                                                                                          | Held ToMaturity                 |   | AvailableFor Sale            |                            |   | Held ToMaturity |   | AvailableFor Sale |
| Total OTTI                                                                                                                                                                                    | $    60     |   | $    - - |                            |   | $      41 |   | $   29 |
| Portion of OTTI recognized in other   comprehensive (income) loss (before income              taxes) (1) | 23                              |   | - -                          |                            |   | (95) |   | - - |
| Net OTTI recognized in earnings (2)                                                                                                                                                           | $    37     |   | $    - - |                            |   | $    136 |   | $   29 |
|                                                                                                                                                                                          |                            |   |                         |                            |   |   |   |   |
|                                                                                                                                                                                          | Nine Months EndedJune 30, 2012  |   |                         | Nine Months EndedJune 30, 2011  |
|                                                                                                                                                                                          | Held ToMaturity                 |   | AvailableFor Sale            |                            |   | Held ToMaturity |   | AvailableFor Sale |
| Total OTTI                                                                                                                                                                                    | $  139                |   | $  43              |                            |   | $  194 |   | $   30 |
| Portion of OTTI recognized in other   comprehensive (income) loss (before income   taxes) (1)                                                                   | (8)                             |   | - -                          |                            |   | (112) |   | - - |
| Net OTTI recognized in earnings (2)                                                                                                                                                           | $  147                |   | $  43              |                            |   | $  306 |   | $   30 |

| (1)   | Represents OTTI related to all other factors. |
|-----------------|-----------------------------------------------|

| (2)   | Represents OTTI related to credit losses. |
|-----------------|-------------------------------------------|

|                                                                                                                                                                                                                                                               |   | Nine Months Ended June 30, |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|--------|
|                                                                                                                                                                                                                                                               |   | 2012                       |   |   | 2011 |   |
| Beginning balance of credit loss                                                                                                                                                                                                                                   |   | $                          | 3,361  |   |   | $ | 4,725 |   |
| Additions:                                                                                                                                                                                                                                                         |   |                       |   |   |   |   |   |   |
|        Credit losses for which OTTI was          not previously recognized                                                                                                    |   |                       | 81     |   |   |   | 53 |   |
|        Additional increases to the amount          related to credit loss for which OTTI          was previously recognized |   |                       | 109    |   |   |   | 283 |   |
| Subtractions:                                                                                                                                                                                                                                                      |   |                       |   |   |   |   |   |   |
|        Realized losses previously recorded          as credit losses                                                                                                          |   |                       | (661   | ) |   |   | (1,390 | ) |
| Ending balance of credit loss                                                                                                                                                                                                                                      |   | $                          | 2,890  |   |   | $ | 3,671 |   |

----

|                                            |   | Held to Maturity |   |   | Available for Sale |   |
|-------------------------------------------------|--------|------------------|--------|--------|--------------------|--------|
|                                            |   | AmortizedCost    |   |   | EstimatedFairValue |   |   | AmortizedCost |   |   | EstimatedFairValue |   |
| Due within one year                             |   | $                | 15     |   |               | $      | 16 |   |   | $ | -- |   |   | $ | -- |   |
| Due after one year to five years                |   |             | 9      |   |               |   | 9 |   |   |   | 72 |   |   |   | 76 |   |
| Due after five to ten years                     |   |             | 30     |   |               |   | 32 |   |   |   | -- |   |   |   | - - |   |
| Due after ten years                             |   |             | 3,449  |   |               |   | 3,594 |   |   |   | 3,973 |   |   |   | 4,032 |   |
|        Total |   | $                | 3,503  |   |               | $      | 3,651 |   |   | $ | 4,045 |   |   | $ | 4,108 |   |

----

|                                                                                                                                                            |   | June 30,2012 |    |   | September 30,2011 |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------|---------|--------|-------------------|--------|
|                                                                                                                                                            |   | Amount       |    |   | Percent           |   |   | Amount |   |   | Percent |   |
| Mortgage loans:                                                                                                                                                 |   |         |    |   |              |   |   |   |   |   |   |   |
|      One- to four-family (1)                                                                                                           |   | $            | 109,624 |   |              |   | 19.5 | % |   | $ | 114,680 |   |   |   | 20.5 | % |
|      Multi-family                                                                                                                      |   |         | 38,146  |   |              |   | 6.8 |   |   |   | 30,982 |   |   |   | 5.5 |   |
|      Commercial                                                                                                                        |   |         | 258,545 |   |              |   | 45.9 |   |   |   | 246,037 |   |   |   | 43.9 |   |
|      Construction and land development                                                                                                 |   |         | 48,639  |   |              |   | 8.7 |   |   |   | 52,484 |   |   |   | 9.4 |   |
|      Land                                                                                                                              |   |         | 41,273  |   |              |   | 7.3 |   |   |   | 49,236 |   |   |   | 8.8 |   |
|          Total mortgage loans                                                                                      |   |         | 496,227 |   |              |   | 88.2 |   |   |   | 493,419 |   |   |   | 88.1 |   |
|                                                                                                                                                            |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans:                                                                                                                                                 |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
|      Home equity and second mortgage                                                                                                   |   |         | 34,080  |   |              |   | 6.1 |   |   |   | 36,008 |   |   |   | 6.4 |   |
|      Other                                                                                                                             |   |         | 6,413   |   |              |   | 1.1 |   |   |   | 8,240 |   |   |   | 1.5 |   |
|         Total consumer loans                                                                                            |   |         | 40,493  |   |              |   | 7.2 |   |   |   | 44,248 |   |   |   | 7.9 |   |
|                                                                                                                                                            |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Commercial business loans                                                                                                                                       |   |         | 26,052  |   |              |   | 4.6 |   |   |   | 22,510 |   |   |   | 4.0 |   |
|                                                                                                                                                            |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
|         Total loans receivable                                                                                          |   |         | 562,772 |   |              |   | 100.0 | % |   |   | 560,177 |   |   |   | 100.0 | % |
|                                                                                                                                                            |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Less:                                                                                                                                                           |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
|      Undisbursed portion of construction             loans in process |   |         | (12,239 | )      |              |   |   |   |   |   | (18,265 | ) |   |   |   |   |
|      Deferred loan origination fees                                                                                                    |   |         | (1,761  | )      |              |   |   |   |   |   | (1,942 | ) |   |   |   |   |
|      Allowance for loan losses                                                                                                         |   |         | (11,603 | )      |              |   |   |   |   |   | (11,946 | ) |   |   |   |   |
|                                                                                                                                                            |   |         |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
|         Total loans receivable, net                                                                                     |   | $            | 537,169 |   |              |   |   |   |   | $ | 528,024 |   |   |   |   |   |

|                                                                                               |   | June 30,2012 |   |   | September 30,2011 |   |
|----------------------------------------------------------------------------------------------------|--------|--------------|--------|--------|-------------------|--------|
|                                                                                               |   | Amount       |   |   | Percent           |   |   | Amount |   |   | Percent |   |
| Custom and owner/builder                                                                           |   | $            | 27,643 |   |              |   | 56.8 | % |   | $ | 26,205 |   |   |   | 49.9 | % |
| Speculative one- to four-family                                                                    |   |         | 2,122  |   |              |   | 4.4 |   |   |   | 1,919 |   |   |   | 3.7 |   |
| Commercial real estate                                                                             |   |         | 17,920 |   |              |   | 36.8 |   |   |   | 12,863 |   |   |   | 24.5 |   |
| Multi-family   (including condominiums)                                             |   |         | 345    |   |              |   | 0.7 |   |   |   | 9,322 |   |   |   | 17.8 |   |
| Land development                                                                                   |   |         | 609    |   |              |   | 1.3 |   |   |   | 2,175 |   |   |   | 4.1 |   |
|    Total construction and      land development loans |   | $            | 48,639 |   |              |   | 100.0 | % |   | $ | 52,484 |   |   |   | 100.0 | % |

----

|                                                                   |   | For the Three Months Ended June 30, 2012 |   |
|------------------------------------------------------------------------|--------|------------------------------------------|--------|
|                                                                   |   | BeginningAllowance                       |   |   | Provision /(Credit) |   |   | Charge-offs |   |   | Recoveries |   |   | EndingAllowance |   |
| Mortgage loans:                                                        |   |                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One-to four-family                                   |   | $                                        | 931    |   |   | $ | (10 | ) |   | $ | 92 |   |   | $ | 3 |   |   | $ | 832 |   |
|    Multi-family                                         |   |                                     | 1,288  |   |   |   | (116 | ) |   |   | 3 |   |   |   | 3 |   |   |   | 1,172 |   |
|    Commercial                                           |   |                                     | 3,737  |   |   |   | 1,104 |   |   |   | 288 |   |   |   | -- |   |   |   | 4,553 |   |
|    Construction – custom and owner / builder      |   |                                     | 267    |   |   |   | 160 |   |   |   | -- |   |   |   | -- |   |   |   | 427 |   |
|    Construction – speculative one- to four-family |   |                                     | 171    |   |   |   | (64 | ) |   |   | -- |   |   |   | -- |   |   |   | 107 |   |
|    Construction – commercial                      |   |                                     | 861    |   |   |   | 139 |   |   |   | 622 |   |   |   | -- |   |   |   | 378 |   |
|    Construction – multi-family                    |   |                                     | 504    |   |   |   | (480 | ) |   |   | 24 |   |   |   | -- |   |   |   | -- |   |
|    Construction – land development                |   |                                     | 95     |   |   |   | (86 | ) |   |   | 9 |   |   |   | -- |   |   |   | -- |   |
|    Land                                                 |   |                                     | 2,737  |   |   |   | 406 |   |   |   | 526 |   |   |   | 1 |   |   |   | 2,618 |   |
| Consumer loans:                                                        |   |                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |                                     | 431    |   |   |   | 91 |   |   |   | 14 |   |   |   | 14 |   |   |   | 522 |   |
|    Other                                                |   |                                     | 353    |   |   |   | 15 |   |   |   | 4 |   |   |   | -- |   |   |   | 364 |   |
| Commercial business loans                                              |   |                                     | 889    |   |   |   | (259 | ) |   |   | -- |   |   |   | -- |   |   |   | 630 |   |
|    Total                                                |   | $                                        | 12,264 |   |   | $ | 900 |   |   | $ | 1,582 |   |   | $ | 21 |   |   | $ | 11,603 |   |

|                                                                   |   | For the Nine Months Ended June 30, 2012 |   |
|------------------------------------------------------------------------|--------|-----------------------------------------|--------|
|                                                                   |   | BeginningAllowance                      |   |   | Provision /(Credit) |   |   | Charge-offs |   |   | Recoveries |   |   | EndingAllowance |   |
| Mortgage loans:                                                        |   |                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One-to four-family                                   |   | $                                       | 760    |   |   | $ | 279 |   |   | $ | 211 |   |   | $ | 4 |   |   | $ | 832 |   |
|    Multi-family                                         |   |                                    | 1,076  |   |   |   | 96 |   |   |   | 3 |   |   |   | 3 |   |   |   | 1,172 |   |
|    Commercial                                           |   |                                    | 4,035  |   |   |   | 1,314 |   |   |   | 796 |   |   |   | -- |   |   |   | 4,553 |   |
|    Construction – custom and owner / builder      |   |                                    | 222    |   |   |   | 205 |   |   |   | -- |   |   |   | -- |   |   |   | 427 |   |
|    Construction – speculative one- to four-family |   |                                    | 169    |   |   |   | (63 | ) |   |   | -- |   |   |   | 1 |   |   |   | 107 |   |
|    Construction – commercial                      |   |                                    | 794    |   |   |   | 206 |   |   |   | 622 |   |   |   | -- |   |   |   | 378 |   |
|    Construction – multi-family                    |   |                                    | 354    |   |   |   | (780 | ) |   |   | 24 |   |   |   | 450 |   |   |   | -- |   |
|    Construction – land development                |   |                                    | 79     |   |   |   | 160 |   |   |   | 239 |   |   |   | -- |   |   |   | -- |   |
|    Land                                                 |   |                                    | 2,795  |   |   |   | 801 |   |   |   | 1,058 |   |   |   | 80 |   |   |   | 2,618 |   |
| Consumer loans:                                                        |   |                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |                                    | 460    |   |   |   | 166 |   |   |   | 118 |   |   |   | 14 |   |   |   | 522 |   |
|    Other                                                |   |                                    | 415    |   |   |   | (27 | ) |   |   | 24 |   |   |   | -- |   |   |   | 364 |   |
| Commercial business loans                                              |   |                                    | 787    |   |   |   | 243 |   |   |   | 401 |   |   |   | 1 |   |   |   | 630 |   |
|    Total                                                |   | $                                       | 11,946 |   |   | $ | 2,600 |   |   | $ | 3,496 |   |   | $ | 553 |   |   | $ | 11,603 |   |

----

|                                                                   |   | For the Three Months Ended June 30, 2011 |   |
|------------------------------------------------------------------------|--------|------------------------------------------|--------|
|                                                                   |   | BeginningAllowance                       |   |   | Provision /(Credit) |   |   | Charge-offs |   |   | Recoveries |   |   | EndingAllowance |   |
| Mortgage loans:                                                        |   |                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One-to four-family                                   |   | $                                        | 738    |   |   | $ | 250 |   |   | $ | 172 |   |   | $ | 1 |   |   | $ | 817 |   |
|    Multi-family                                         |   |                                     | 1,016  |   |   |   | 88 |   |   |   | -- |   |   |   | 11 |   |   |   | 1,115 |   |
|    Commercial                                           |   |                                     | 4,179  |   |   |   | (343 | ) |   |   | -- |   |   |   | 4 |   |   |   | 3,840 |   |
|    Construction – custom and owner / builder      |   |                                     | 346    |   |   |   | (92 | ) |   |   | -- |   |   |   | -- |   |   |   | 254 |   |
|    Construction – speculative one- to four-family |   |                                     | 260    |   |   |   | (63 | ) |   |   | -- |   |   |   | -- |   |   |   | 197 |   |
|    Construction – commercial                      |   |                                     | 179    |   |   |   | 2,282 |   |   |   | 1,444 |   |   |   | -- |   |   |   | 1,017 |   |
|    Construction – multi-family                    |   |                                     | 263    |   |   |   | (125 | ) |   |   | -- |   |   |   | -- |   |   |   | 138 |   |
|    Construction – land development                |   |                                     | 28     |   |   |   | 667 |   |   |   | 667 |   |   |   | -- |   |   |   | 28 |   |
|    Land                                                 |   |                                     | 3,254  |   |   |   | 790 |   |   |   | 1,147 |   |   |   | 6 |   |   |   | 2,903 |   |
| Consumer loans:                                                        |   |                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |                                     | 505    |   |   |   | (52 | ) |   |   | -- |   |   |   | -- |   |   |   | 453 |   |
|    Other                                                |   |                                     | 436    |   |   |   | (8 | ) |   |   | -- |   |   |   | -- |   |   |   | 428 |   |
| Commercial business loans                                              |   |                                     | 594    |   |   |   | 6 |   |   |   | -- |   |   |   | -- |   |   |   | 600 |   |
|    Total                                                |   | $                                        | 11,798 |   |   | $ | 3,400 |   |   | $ | 3,430 |   |   | $ | 22 |   |   | $ | 11,790 |   |

|                                                                   |   | For the Nine Months Ended June 30, 2011 |   |
|------------------------------------------------------------------------|--------|-----------------------------------------|--------|
|                                                                   |   | BeginningAllowance                      |   |   | Provision /(Credit) |   |   | Charge-offs |   |   | Recoveries |   |   | EndingAllowance |   |
| Mortgage loans:                                                        |   |                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One-to four-family                                   |   | $                                       | 530    |   |   | $ | 543 |   |   | $ | 405 |   |   | $ | 149 |   |   | $ | 817 |   |
|    Multi-family                                         |   |                                    | 393    |   |   |   | 692 |   |   |   | -- |   |   |   | 30 |   |   |   | 1,115 |   |
|    Commercial                                           |   |                                    | 3,173  |   |   |   | 609 |   |   |   | 47 |   |   |   | 105 |   |   |   | 3,840 |   |
|    Construction – custom and owner / builder      |   |                                    | 481    |   |   |   | (227 | ) |   |   | -- |   |   |   | -- |   |   |   | 254 |   |
|    Construction – speculative one- to four-family |   |                                    | 414    |   |   |   | (177 | ) |   |   | 40 |   |   |   | -- |   |   |   | 197 |   |
|    Construction – commercial                      |   |                                    | 245    |   |   |   | 2,216 |   |   |   | 1,444 |   |   |   | -- |   |   |   | 1,017 |   |
|    Construction – multi-family                    |   |                                    | 245    |   |   |   | (107 | ) |   |   | -- |   |   |   | -- |   |   |   | 138 |   |
|    Construction – land development                |   |                                    | 240    |   |   |   | 938 |   |   |   | 1,150 |   |   |   | -- |   |   |   | 28 |   |
|    Land                                                 |   |                                    | 3,709  |   |   |   | 709 |   |   |   | 1,560 |   |   |   | 45 |   |   |   | 2,903 |   |
| Consumer loans:                                                        |   |                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |                                    | 922    |   |   |   | (362 | ) |   |   | 114 |   |   |   | 7 |   |   |   | 453 |   |
|    Other                                                |   |                                    | 451    |   |   |   | 5 |   |   |   | 30 |   |   |   | 2 |   |   |   | 428 |   |
| Commercial business loans                                              |   |                                    | 461    |   |   |   | 161 |   |   |   | 22 |   |   |   | -- |   |   |   | 600 |   |
|    Total                                                |   | $                                       | 11,264 |   |   | $ | 5,000 |   |   | $ | 4,812 |   |   | $ | 338 |   |   | $ | 11,790 |   |

----

|                                                                                                      |   | Allowance for Loan Losses           |   |   | Recorded Investment in Loans        |   |
|-----------------------------------------------------------------------------------------------------------|--------|-------------------------------------|--------|--------|-------------------------------------|--------|
|                                                                                                      |   | IndividuallyEvaluated forImpairment |   |   | CollectivelyEvaluated forImpairment |   |   | Total |   |   | IndividuallyEvaluated forImpairment |   |   | CollectivelyEvaluated forImpairment |   |   | Total |   |
|                                                                                                      |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |
| June 30, 2012                                                                                             |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage loans:                                                                                           |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family                                                                     |   | $                                   | 261    |   |                                | $      | 571 |   |   | $ | 832 |   |   | $ | 4,032 |   |   | $ | 105,592 |   |   | $ | 109,624 |   |
|    Multi-family                                                                            |   |                                | 784    |   |                                |   | 388 |   |   |   | 1,172 |   |   |   | 6,899 |   |   |   | 31,247 |   |   |   | 38,146 |   |
|    Commercial                                                                              |   |                                | 679    |   |                                |   | 3,874 |   |   |   | 4,553 |   |   |   | 21,218 |   |   |   | 237,327 |   |   |   | 258,545 |   |
|    Construction – custom and owner /      builder      |   |                                | 19     |   |                                |   | 408 |   |   |   | 427 |   |   |   | 312 |   |   |   | 18,566 |   |   |   | 18,878 |   |
|    Construction – speculative one- to      four-family |   |                                | 24     |   |                                |   | 83 |   |   |   | 107 |   |   |   | 700 |   |   |   | 770 |   |   |   | 1,470 |   |
|    Construction – commercial                                                         |   |                                | --     |   |                                |   | 378 |   |   |   | 378 |   |   |   | -- |   |   |   | 15,098 |   |   |   | 15,098 |   |
|    Construction –  multi-family                                            |   |                                | --     |   |                                |   | -- |   |   |   | -- |   |   |   | 345 |   |   |   | -- |   |   |   | 345 |   |
|    Construction – land development                                                   |   |                                | --     |   |                                |   | -- |   |   |   | -- |   |   |   | 609 |   |   |   | -- |   |   |   | 609 |   |
|    Land                                                                                    |   |                                | 818    |   |                                |   | 1,800 |   |   |   | 2,618 |   |   |   | 9,511 |   |   |   | 31,762 |   |   |   | 41,273 |   |
|  Consumer loans:                                                                                     |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                                                         |   |                                | 105    |   |                                |   | 417 |   |   |   | 522 |   |   |   | 1,078 |   |   |   | 33,002 |   |   |   | 34,080 |   |
|    Other                                                                                   |   |                                | --     |   |                                |   | 364 |   |   |   | 364 |   |   |   | 9 |   |   |   | 6,404 |   |   |   | 6,413 |   |
|  Commercial business loans                                                                           |   |                                | --     |   |                                |   | 630 |   |   |   | 630 |   |   |   | 30 |   |   |   | 26,022 |   |   |   | 26,052 |   |
|    Total                                                                                   |   | $                                   | 2,690  |   |                                | $      | 8,913 |   |   | $ | 11,603 |   |   | $ | 44,743 |   |   | $ | 505,790 |   |   | $ | 550,533 |   |
| September 30, 2011                                                                                        |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage loans:                                                                                           |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family                                                                     |   | $                                   | 45     |   |                                | $      | 715 |   |   | $ | 760 |   |   | $ | 3,701 |   |   | $ | 110,979 |   |   | $ | 114,680 |   |
|    Multi-family                                                                            |   |                                | 632    |   |                                |   | 444 |   |   |   | 1,076 |   |   |   | 5,482 |   |   |   | 25,500 |   |   |   | 30,982 |   |
|    Commercial                                                                              |   |                                | 255    |   |                                |   | 3,780 |   |   |   | 4,035 |   |   |   | 19,322 |   |   |   | 226,715 |   |   |   | 246,037 |   |
|    Construction – custom and owner /      builder      |   |                                | 11     |   |                                |   | 211 |   |   |   | 222 |   |   |   | 320 |   |   |   | 16,777 |   |   |   | 17,097 |   |
|    Construction – speculative one- to      four-family |   |                                | 37     |   |                                |   | 132 |   |   |   | 169 |   |   |   | 700 |   |   |   | 906 |   |   |   | 1,606 |   |
|    Construction – commercial                                                         |   |                                | 738    |   |                                |   | 56 |   |   |   | 794 |   |   |   | 5,435 |   |   |   | 2,479 |   |   |   | 7,914 |   |
|    Construction – multi-family                                                       |   |                                | --     |   |                                |   | 354 |   |   |   | 354 |   |   |   | 632 |   |   |   | 4,867 |   |   |   | 5,499 |   |
|    Construction – land development                                                   |   |                                | --     |   |                                |   | 79 |   |   |   | 79 |   |   |   | 1,882 |   |   |   | 221 |   |   |   | 2,103 |   |
|    Land                                                                                    |   |                                | 560    |   |                                |   | 2,235 |   |   |   | 2,795 |   |   |   | 9,997 |   |   |   | 39,239 |   |   |   | 49,236 |   |
| Consumer loans:                                                                                           |   |                                |   |   |                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                                                         |   |                                | 10     |   |                                |   | 450 |   |   |   | 460 |   |   |   | 1,014 |   |   |   | 34,994 |   |   |   | 36,008 |   |
|    Other                                                                                   |   |                                | 1      |   |                                |   | 414 |   |   |   | 415 |   |   |   | 1 |   |   |   | 8,239 |   |   |   | 8,240 |   |
| Commercial business loans                                                                                 |   |                                | --     |   |                                |   | 787 |   |   |   | 787 |   |   |   | 44 |   |   |   | 22,466 |   |   |   | 22,510 |   |
|    Total                                                                                   |   | $                                   | 2,289  |   |                                | $      | 9,657 |   |   | $ | 11,946 |   |   | $ | 48,530 |   |   | $ | 493,382 |   |   | $ | 541,912 |   |

----

| June 30, 2012                                                          |   | Loan Grades |    |   |   |   |
|------------------------------------------------------------------------|--------|-------------|---------|--------|--------|--------|
|                                                                   |   | Pass        |    |   | Watch  |   |   | Special Mention |   |   | Substandard |   |   | Total |   |
| Mortgage loans:                                                        |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family                                  |   | $           | 98,081  |   |   | $      | 4,025 |   |   | $ | 3,746 |   |   | $ | 3,772 |   |   | $ | 109,624 |   |
|    Multi-family                                         |   |        | 26,310  |   |   |   | 89 |   |   |   | 10,114 |   |   |   | 1,633 |   |   |   | 38,146 |   |
|    Commercial                                           |   |        | 228,330 |   |   |   | 1,472 |   |   |   | 7,530 |   |   |   | 21,213 |   |   |   | 258,545 |   |
|    Construction – custom and owner / builder      |   |        | 16,135  |   |   |   | -- |   |   |   | 2,431 |   |   |   | 312 |   |   |   | 18,878 |   |
|    Construction – speculative one- to four-family |   |        | 227     |   |   |   | 242 |   |   |   | 700 |   |   |   | 301 |   |   |   | 1,470 |   |
|    Construction – commercial                      |   |        | 15,098  |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | 15,098 |   |
|    Construction – multi-family                    |   |        | --      |   |   |   | -- |   |   |   | -- |   |   |   | 345 |   |   |   | 345 |   |
|    Construction – land development                |   |        | --      |   |   |   | -- |   |   |   | -- |   |   |   | 609 |   |   |   | 609 |   |
|    Land                                                 |   |        | 23,714  |   |   |   | 5,738 |   |   |   | 2,281 |   |   |   | 9,540 |   |   |   | 41,273 |   |
| Consumer loans:                                                        |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |        | 30,702  |   |   |   | 884 |   |   |   | 1,200 |   |   |   | 1,294 |   |   |   | 34,080 |   |
|    Other                                                |   |        | 6,359   |   |   |   | 45 |   |   |   | -- |   |   |   | 9 |   |   |   | 6,413 |   |
|    Commercial business loans                            |   |        | 22,550  |   |   |   | 2,630 |   |   |   | 117 |   |   |   | 755 |   |   |   | 26,052 |   |
|         Total                  |   | $           | 467,506 |   |   | $      | 15,125 |   |   | $ | 28,119 |   |   | $ | 39,783 |   |   | $ | 550,533 |   |
|                                                                   |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| September 30, 2011                                                     |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                   |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage loans:                                                        |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    One- to four-family                                  |   | $           | 100,159 |   |   | $      | 6,131 |   |   | $ | 2,450 |   |   | $ | 5,940 |   |   | $ | 114,680 |   |
|    Multi-family                                         |   |        | 19,279  |   |   |   | 199 |   |   |   | 10,380 |   |   |   | 1,124 |   |   |   | 30,982 |   |
|    Commercial                                           |   |        | 212,898 |   |   |   | 1,042 |   |   |   | 6,320 |   |   |   | 25,777 |   |   |   | 246,037 |   |
|    Construction – custom and owner / builder      |   |        | 16,522  |   |   |   | 255 |   |   |   | -- |   |   |   | 320 |   |   |   | 17,097 |   |
|    Construction – speculative one- to four-family |   |        | 323     |   |   |   | -- |   |   |   | 700 |   |   |   | 583 |   |   |   | 1,606 |   |
|    Construction – commercial                      |   |        | 2,479   |   |   |   | -- |   |   |   | -- |   |   |   | 5,435 |   |   |   | 7,914 |   |
|    Construction – multi-family                    |   |        | 4,115   |   |   |   | -- |   |   |   | 752 |   |   |   | 632 |   |   |   | 5,499 |   |
|    Construction – land development                |   |        | 83      |   |   |   | -- |   |   |   | -- |   |   |   | 2,020 |   |   |   | 2,103 |   |
|    Land                                                 |   |        | 26,825  |   |   |   | 6,604 |   |   |   | 5,084 |   |   |   | 10,723 |   |   |   | 49,236 |   |
| Consumer loans:                                                        |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Home equity and second mortgage                      |   |        | 32,389  |   |   |   | 901 |   |   |   | 1,513 |   |   |   | 1,205 |   |   |   | 36,008 |   |
|    Other                                                |   |        | 8,179   |   |   |   | 50 |   |   |   | -- |   |   |   | 11 |   |   |   | 8,240 |   |
|    Commercial business loans                            |   |        | 19,060  |   |   |   | 20 |   |   |   | 220 |   |   |   | 3,210 |   |   |   | 22,510 |   |
|        Total                        |   | $           | 442,311 |   |   | $      | 15,202 |   |   | $ | 27,419 |   |   | $ | 56,980 |   |   | $ | 541,912 |   |
|                                                                   |   |        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                                                             |   | 30–59 DaysPast Due                                        |   | 60-89 Days Past Due                      |   | Non-Accrual              |   | Past Due 90 Daysor Moreand Still Accruing                       |   | Total Past Due           |   | Current  |   | Total Loans |
|------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------|--------|------------------------------------------|--------|--------------------------|--------|-----------------------------------------------------------------|--------|--------------------------|--------|----------|--------|-------------|
| June 30, 2012                                                                                                    |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
| Mortgage loans:                                                                                                  |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
|    One- to four-family                                                                            |   | $  963                                                |   | $355                                     |   | $   2,123 |   | $         --       |   | $   3,441 |   | $106,183 |   | $109,624    |
|    Multi-family                                                                                   |   | --                                                              |   | --                                       |   | 1,449                    |   | --                                                              |   | 1,449                    |   | 36,697   |   | 38,146      |
|    Commercial                                                                                     |   | 6,626                                                           |   | 412                                      |   | 9,099                    |   | 6                                                               |   | 16,143                   |   | 242,402  |   | 258,545     |
|    Construction – custom and owner /       builder       |   | --                                                              |   | --                                       |   | 313                      |   | --                                                              |   | 313                      |   | 18,565   |   | 18,878      |
|    Construction – speculative one- to four-       family |   | 302                                                             |   | --                                       |   | --                       |   | --                                                              |   | 302                      |   | 1,168    |   | 1,470       |
|    Construction – commercial                                                                |   | --                                                              |   | --                                       |   | --                       |   | --                                                              |   | --                       |   | 15,098   |   | 15,098      |
|    Construction – multi-family                                                              |   | --                                                              |   | --                                       |   | 345                      |   | --                                                              |   | 345                      |   | --       |   | 345         |
|    Construction – land development                                                          |   | --                                                              |   | --                                       |   | 609                      |   | --                                                              |   | 609                      |   | --       |   | 609         |
|    Land                                                                                           |   | 531                                                             |   | 31                                       |   | 9,265                    |   | 229                                                             |   | 10,056                   |   | 31,217   |   | 41,273      |
| Consumer loans:                                                                                                  |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
|    Home equity and second mortgage                                                                |   | 333                                                             |   | 82                                       |   | 776                      |   | 710                                                             |   | 1,901                    |   | 32,179   |   | 34,080      |
|    Other                                                                                          |   | --                                                              |   | --                                       |   | 9                        |   | --                                                              |   | 9                        |   | 6,404    |   | 6,413       |
| Commercial business loans                                                                                        |   | 60                                                              |   | 16                                       |   | 30                       |   | --                                                              |   | 106                      |   | 25,946   |   | 26,052      |
|    Total                                                                                          |   | $ 8,815                                                         |   | $      896 |   | $ 24,018                 |   | $  945                                                |   | $ 34,674                 |   | $515,859 |   | $550,533    |
|                                                                                                             |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
| September 30, 2011                                                                                               |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
| Mortgage loans:                                                                                                  |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
|    One- to four-family                                                                            |   | $          -- |   | $  1,822                       |   | $   2,150 |   | $          -- |   | $   3,972 |   | $110,708 |   | $114,680    |
|    Multi-family                                                                                   |   | --                                                              |   | --                                       |   | --                       |   | 1,449                                                           |   | 1,449                    |   | 29,533   |   | 30,982      |
|    Commercial                                                                                     |   | --                                                              |   | 12,723                                   |   | 6,571                    |   | --                                                              |   | 19,294                   |   | 226,743  |   | 246,037     |
|    Construction – custom and owner /       builder       |   | --                                                              |   | --                                       |   | 320                      |   | --                                                              |   | 320                      |   | 16,777   |   | 17,097      |
|    Construction – speculative one- to four-       family |   | --                                                              |   | --                                       |   | --                       |   | --                                                              |   | --                       |   | 1,606    |   | 1,606       |
|    Construction – commercial                                                                |   | --                                                              |   | --                                       |   | 688                      |   | --                                                              |   | 688                      |   | 7,226    |   | 7,914       |
|    Construction – multi-family                                                              |   | --                                                              |   | 752                                      |   | 632                      |   | --                                                              |   | 1,384                    |   | 4,115    |   | 5,499       |
|    Construction – land development                                                          |   | --                                                              |   | --                                       |   | 1,882                    |   | --                                                              |   | 1,882                    |   | 221      |   | 2,103       |
|    Land                                                                                           |   | 1,100                                                           |   | 2,558                                    |   | 8,935                    |   | 29                                                              |   | 12,622                   |   | 36,614   |   | 49,236      |
| Consumer loans:                                                                                                  |   |                                                            |   |                                     |   |                     |   |                                                            |   |                     |   |     |   |        |
|    Home equity and second mortgage                                                                |   | 643                                                             |   | 441                                      |   | 366                      |   | --                                                              |   | 1,450                    |   | 34,558   |   | 36,008      |
|    Other                                                                                          |   | 9                                                               |   | 7                                        |   | 1                        |   | --                                                              |   | 17                       |   | 8,223    |   | 8,240       |
| Commercial business loans                                                                                        |   | --                                                              |   | 14                                       |   | 44                       |   | 276                                                             |   | 334                      |   | 22,176   |   | 22,510      |
|   Total                                                                                                |   | $   1,752                                        |   | $ 18,317                                 |   | $ 21,589                 |   | $  1,754                                              |   | $ 43,412                 |   | $498,500 |   | $541,912    |

----

|                                                                               |   | RecordedInvestment             |   | Unpaid PrincipalBalance (LoanBalance PlusCharge Off) |   | RelatedAllowance                        |   | QTD AverageRecordedInvestment (1) |   |  YTD AverageRecordedInvestment (2) |   |  QTDInterestIncomeRecognized(1)                |   |  YTD InterestIncomeRecognized(2)               |   | QTD Cash BasisInterestIncomeRecognized(1)      |   | YTD Cash BasisInterestIncomeRecognized(2)      |
|------------------------------------------------------------------------------------|--------|--------------------------------|--------|------------------------------------------------------|--------|-----------------------------------------|--------|-----------------------------------|--------|-----------------------------------------|--------|-----------------------------------------------------|--------|-----------------------------------------------------|--------|------------------------------------------------|--------|------------------------------------------------|
| With no related allowance recorded:                                                |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|  Mortgage loans:                                                              |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      One- to four-family                                  |   | $    1,081 |   | $   1,162                             |   | $      -- |   | $   1,660          |   | $   1,978                |   | $        14 |   | $        20 |   | $       14  |   | $       16  |
|      Multi-family                                         |   | --                             |   | 982                                                  |   | --                                      |   | --                                |   | --                                      |   | --                                                  |   | 1                                                   |   | --                                             |   | 1                                              |
|      Commercial                                           |   | 13,960                         |   | 14,510                                               |   | --                                      |   | 14,510                            |   | 16,235                                  |   | 149                                                 |   | 519                                                 |   | 95                                             |   | 343                                            |
|      Construction – custom and owner / builder      |   | 209                            |   | 209                                                  |   | --                                      |   | 209                               |   | 263                                     |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Construction – speculative one- to four-family |   | --                             |   | --                                                   |   | --                                      |   | - -                               |   | --                                      |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Construction - commercial                                 |   |  --                       |   |  2,066                                          |   |  --                                |   |  --                          |   |  --                                |   |  --                                            |   |  14                                            |   |  --                                       |   |  14                                       |
|      Construction – multi-family                    |   | 345                            |   | 810                                                  |   | --                                      |   | 173                               |   | 652                                     |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Construction – land development                |   | 609                            |   | 3,571                                                |   | --                                      |   | 689                               |   | 1,446                                   |   | 4                                                   |   | 12                                                  |   | 4                                              |   | 12                                             |
|       Land                                           |   | 6,930                          |   | 9,392                                                |   | --                                      |   | 5,996                             |   | 6,303                                   |   | 11                                                  |   | 27                                                  |   | 7                                              |   | 15                                             |
| Consumer loans:                                                                    |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      Home equity and second mortgage                      |   | 435                            |   | 547                                                  |   | --                                      |   | 443                               |   | 559                                     |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Other                                                |   | 8                              |   | 8                                                    |   | --                                      |   | 8                                 |   | 3                                       |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
| Commercial business loans                                                          |   | 30                             |   | 445                                                  |   | --                                      |   | 37                                |   | 41                                      |   | --                                                  |   | 2                                                   |   | --                                             |   | 2                                              |
|         Subtotal                           |   | 23,607                         |   | 33,702                                               |   |    --                    |   | 23,725                            |   | 27,480                                  |   | 178                                                 |   | 595                                                 |   | 120                                            |   | 403                                            |
| With an allowance recorded:                                                        |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|  Mortgage loans:                                                              |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      One- to four-family                                  |   | 2,951                          |   | 2,951                                                |   | 261                                     |   | 2,574                             |   | 1,959                                   |   | 27                                                  |   | 56                                                  |   | 21                                             |   | 43                                             |
|      Multi-family                                         |   | 6,899                          |   | 6,899                                                |   | 784                                     |   | 6,904                             |   | 6,339                                   |   | 63                                                  |   | 209                                                 |   | 35                                             |   | 144                                            |
|      Commercial                                           |   | 7,258                          |   | 7,978                                                |   | 679                                     |   | 5,294                             |   | 3,672                                   |   | --                                                  |   | 24                                                  |   | --                                             |   | 3                                              |
|      Construction – custom and owner / builder      |   | 103                            |   | 103                                                  |   | 19                                      |   | 104                               |   | 108                                     |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Construction – speculative one- to four-family |   | 700                            |   | 700                                                  |   | 24                                      |   | 700                               |   | 860                                     |   | 8                                                   |   | 24                                                  |   | 6                                              |   | 18                                             |
|      Construction – commercial                      |   | --                             |   | --                                                   |   | --                                      |   | 2,694                             |   | 4,338                                   |   | 48                                                  |   | 159                                                 |   | 31                                             |   | 110                                            |
|      Construction – multi-family                    |   | --                             |   | --                                                   |   | --                                      |   | 185                               |   | 74                                      |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Land                                                 |   | 2,581                          |   | 2,768                                                |   | 818                                     |   | 3,899                             |   | 3,659                                   |   | 9                                                   |   | 28                                                  |   | 9                                              |   | 28                                             |
| Consumer loans:                                                                    |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      Home equity and second mortgage                      |   | 643                            |   | 643                                                  |   | 105                                     |   | 643                               |   | 524                                     |   | 5                                                   |   | 27                                                  |   | 4                                              |   | 20                                             |
|      Other                                                |   | 1                              |   | 1                                                    |   | --                                      |   | 1                                 |   | 1                                       |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
| Commercial business loans                                                          |   | --                             |   | --                                                   |   | --                                      |   | --                                |   | 55                                      |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|        Subtotal                                 |   | 21,136                         |   | 22,043                                               |   | 2,690                                   |   | 22,998                            |   | 21,589                                  |   | 160                                                 |   | 527                                                 |   | 106                                            |   | 366                                            |
| Total                                                                              |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|  Mortgage loans:                                                              |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      One- to four-family                                  |   | 4,032                          |   | 4,113                                                |   | 261                                     |   | 4,234                             |   | 3,937                                   |   | 41                                                  |   | 76                                                  |   | 35                                             |   | 59                                             |
|      Multi-family                                         |   | 6,899                          |   | 7,881                                                |   | 784                                     |   | 6,904                             |   | 6,339                                   |   | 63                                                  |   | 210                                                 |   | 35                                             |   | 145                                            |
|      Commercial                                           |   | 21,218                         |   | 22,488                                               |   | 679                                     |   | 19,804                            |   | 19,907                                  |   | 149                                                 |   | 543                                                 |   | 95                                             |   | 346                                            |
|      Construction – custom and owner / builder      |   | 312                            |   | 312                                                  |   | 19                                      |   | 313                               |   | 371                                     |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
|      Construction – speculative one- to four-family |   | 700                            |   | 700                                                  |   | 24                                      |   | 700                               |   | 860                                     |   | 8                                                   |   | 24                                                  |   | 6                                              |   | 18                                             |
|      Construction – commercial                      |   | --                             |   | 2,066                                                |   | --                                      |   | 2,694                             |   | 4,338                                   |   | 48                                                  |   | 173                                                 |   | 31                                             |   | 124                                            |
|      Construction – multi-family                    |   | 345                            |   | 810                                                  |   | --                                      |   | 358                               |   | 726                                     |   | --                                                  |   | - -                                                 |   | --                                             |   | --                                             |
|      Construction – land development                |   | 609                            |   | 3,571                                                |   | --                                      |   | 689                               |   | 1,446                                   |   | 4                                                   |   | 12                                                  |   | 4                                              |   | 12                                             |
|      Land                                                 |   | 9,511                          |   | 12,160                                               |   | 818                                     |   | 9,895                             |   | 9,962                                   |   | 20                                                  |   | 55                                                  |   | 16                                             |   | 43                                             |
| Consumer loans:                                                                    |   |                           |   |                                                 |   |                                    |   |                              |   |                                    |   |                                                |   |                                                |   |                                           |   |                                           |
|      Home equity and second mortgage                      |   | 1,078                          |   | 1,190                                                |   | 105                                     |   | 1,086                             |   | 1,083                                   |   | 5                                                   |   | 27                                                  |   | 4                                              |   | 20                                             |
|      Other                                                |   | 9                              |   | 9                                                    |   | --                                      |   | 9                                 |   | 4                                       |   | --                                                  |   | --                                                  |   | --                                             |   | --                                             |
| Commercial business loans                                                          |   | 30                             |   | 445                                                  |   | --                                      |   | 37                                |   | 96                                      |   | --                                                  |   | 2                                                   |   | --                                             |   | 2                                              |
|      Total                                                |   | $ 44,743                       |   | $ 55,745                                             |   | $  2,690                      |   | $ 46,723                          |   | $ 49,069                                |   | $       338      |   | $       1,122    |   | $       226 |   | $       769 |

| (1)   | For the three months ended June 30, 2012 |
|-----------------|------------------------------------------|

| (2)   | For the nine months ended June 30, 2012 |
|-----------------|-----------------------------------------|

----

|                                                                               |   | RecordedInvestment |   |   | Unpaid PrincipalBalance(LoanBalance PlusCharge Off) |   |   | RelatedAllowance |   |   | YTD AverageRecordedInvestment (1) |   |   | YTD InterestIncomeRecognized(1) |   |   | YTD Cash BasisInterestIncomeRecognized(1) |   |
|------------------------------------------------------------------------------------|--------|--------------------|--------|--------|-----------------------------------------------------|--------|--------|------------------|--------|--------|-----------------------------------|--------|--------|---------------------------------|--------|--------|-------------------------------------------|--------|
| With no related allowance recorded:                                                |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |
|  Mortgage loans:                                                              |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |
|      One- to four-family                                  |   | $                  | 2,092  |   |                                                | $      | 2,387  |             |   | $      | --                                |   |   | $                               | 2,908  |   |                                      | $      | 30 |   |   | $ | 22 |   |
|      Multi-family                                         |   |               | --     |   |                                                |   | 982    |             |   |   | --                                |   |   |                            | 681    |   |                                      |   | -- |   |   |   | -- |   |
|      Commercial                                           |   |               | 18,137 |   |                                                |   | 19,279 |             |   |   | --                                |   |   |                            | 14,623 |   |                                      |   | 1,060 |   |   |   | 573 |   |
|      Construction – custom and owner / builder      |   |               | 209    |   |                                                |   | 209    |             |   |   | --                                |   |   |                            | 303    |   |                                      |   | 7 |   |   |   | 1 |   |
|      Construction – speculative one- to four-family |   |               | --     |   |                                                |   | --     |             |   |   | --                                |   |   |                            | 502    |   |                                      |   | 7 |   |   |   | 7 |   |
|      Construction – multi-family                    |   |               | 632    |   |                                                |   | 1,135  |             |   |   | --                                |   |   |                            | 1,287  |   |                                      |   | 4 |   |   |   | 4 |   |
|      Construction – land development                |   |               | 1,882  |   |                                                |   | 7,179  |             |   |   | --                                |   |   |                            | 2,920  |   |                                      |   | 5 |   |   |   | -- |   |
|       Land                                           |   |               | 8,198  |   |                                                |   | 11,533 |             |   |   | --                                |   |   |                            | 7,883  |   |                                      |   | 69 |   |   |   | 42 |   |
| Consumer loans:                                                                    |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|      Home equity and second mortgage                      |   |               | 669    |   |                                                |   | 719    |             |   |   | --                                |   |   |                            | 430    |   |                                      |   | 26 |   |   |   | 16 |   |
|      Other                                                |   |               | --     |   |                                                |   | --     |             |   |   | --                                |   |   |                            | 13     |   |                                      |   | -- |   |   |   | -- |   |
| Commercial business loans                                                          |   |               | 44     |   |                                                |   | 65     |             |   |   | --                                |   |   |                            | 44     |   |                                      |   | 2 |   |   |   | 2 |   |
|         Subtotal                           |   |               | 31,863 |   |                                                |   | 43,488 |             |   |   | --                                |   |   |                            | 31,594 |   |                                      |   | 1,210 |   |   |   | 667 |   |
|                                                                               |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
| With an allowance recorded:                                                        |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|  Mortgage loans:                                                              |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|      One- to four-family                                  |   |               | 1,609  |   |                                                |   | 1,609  |             |   |   | 45                                |   |   |                            | 768    |   |                                      |   | 47 |   |   |   | 38 |   |
|      Multi-family                                         |   |               | 5,482  |   |                                                |   | 5,482  |             |   |   | 632                               |   |   |                            | 4,798  |   |                                      |   | 298 |   |   |   | 222 |   |
|      Commercial                                           |   |               | 1,185  |   |                                                |   | 1,185  |             |   |   | 255                               |   |   |                            | 1,409  |   |                                      |   | 50 |   |   |   | 118 |   |
|      Construction – custom and owner / builder      |   |               | 111    |   |                                                |   | 111    |             |   |   | 11                                |   |   |                            | 45     |   |                                      |   | 2 |   |   |   | 2 |   |
|      Construction – speculative one- to four-family |   |               | 700    |   |                                                |   | 700    |             |   |   | 37                                |   |   |                            | 1,042  |   |                                      |   | 50 |   |   |   | 37 |   |
|      Construction – commercial                      |   |               | 5,435  |   |                                                |   | 6,879  |             |   |   | 738                               |   |   |                            | 3,537  |   |                                      |   | 273 |   |   |   | 123 |   |
|      Construction – multi-family                    |   |               | --     |   |                                                |   | --     |             |   |   | --                                |   |   |                            | 65     |   |                                      |   | -- |   |   |   | -- |   |
|      Land                                                 |   |               | 1,799  |   |                                                |   | 1,821  |             |   |   | 560                               |   |   |                            | 2,946  |   |                                      |   | 114 |   |   |   | 83 |   |
| Consumer loans:                                                                    |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|      Home equity and second mortgage                      |   |               | 345    |   |                                                |   | 345    |             |   |   | 10                                |   |   |                            | 425    |   |                                      |   | 10 |   |   |   | 9 |   |
|      Other                                                |   |               | 1      |   |                                                |   | 1      |             |   |   | 1                                 |   |   |                            | 1      |   |                                      |   | -- |   |   |   | -- |   |
|        Subtotal                                 |   |               | 16,667 |   |                                                |   | 18,133 |             |   |   | 2,289                             |   |   |                            | 15,036 |   |                                      |   | 844 |   |   |   | 632 |   |
|                                                                               |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
| Total                                                                              |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|  Mortgage loans:                                                              |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|      One- to four-family                                  |   |               | 3,701  |   |                                                |   | 3,996  |             |   |   | 45                                |   |   |                            | 3,676  |   |                                      |   | 77 |   |   |   | 60 |   |
|      Multi-family                                         |   |               | 5,482  |   |                                                |   | 6,464  |             |   |   | 632                               |   |   |                            | 5,479  |   |                                      |   | 298 |   |   |   | 222 |   |
|      Commercial                                           |   |               | 19,322 |   |                                                |   | 20,464 |             |   |   | 255                               |   |   |                            | 16,032 |   |                                      |   | 1,110 |   |   |   | 691 |   |
|      Construction – custom and owner / builder      |   |               | 320    |   |                                                |   | 320    |             |   |   | 11                                |   |   |                            | 348    |   |                                      |   | 9 |   |   |   | 3 |   |
|      Construction – speculative one- to four-family |   |               | 700    |   |                                                |   | 700    |             |   |   | 37                                |   |   |                            | 1,544  |   |                                      |   | 57 |   |   |   | 44 |   |
|      Construction – commercial                      |   |               | 5,435  |   |                                                |   | 6,879  |             |   |   | 738                               |   |   |                            | 3,537  |   |                                      |   | 273 |   |   |   | 123 |   |
|      Construction – multi-family                    |   |               | 632    |   |                                                |   | 1,135  |             |   |   | --                                |   |   |                            | 1,352  |   |                                      |   | 4 |   |   |   | 4 |   |
|      Construction – land development                |   |               | 1,882  |   |                                                |   | 7,179  |             |   |   | --                                |   |   |                            | 2,920  |   |                                      |   | 5 |   |   |   | -- |   |
|      Land                                                 |   |               | 9,997  |   |                                                |   | 13,354 |             |   |   | 560                               |   |   |                            | 10,829 |   |                                      |   | 183 |   |   |   | 125 |   |
| Consumer loans:                                                                    |   |               |   |   |                                                |   |   |             |   |   |                              |   |   |                            |   |   |                                      |   |   |   |   |   |   |   |
|      Home equity and second mortgage                      |   |               | 1,014  |   |                                                |   | 1,064  |             |   |   | 10                                |   |   |                            | 855    |   |                                      |   | 36 |   |   |   | 25 |   |
|      Other                                                |   |               | 1      |   |                                                |   | 1      |             |   |   | 1                                 |   |   |                            | 14     |   |                                      |   | -- |   |   |   | -- |   |
| Commercial business loans                                                          |   |               | 44     |   |                                                |   | 65     |             |   |   | --                                |   |   |                            | 44     |   |                                      |   | 2 |   |   |   | 2 |   |
|      Total                                                |   | $                  | 48,530 |   |                                                | $      | 61,621 |             |   | $      | 2,289                             |   |   | $                               | 46,630 |   |                                      | $      | 2,054 |   |   | $ | 1,299 |   |

| (1)   | For the year ended September 30, 2011 |
|-----------------|---------------------------------------|

----

|                                                                                                |   | June 30, |    |   | September 30, |   |
|-----------------------------------------------------------------------------------------------------|--------|----------|---------|--------|---------------|--------|
|                                                                                                |   | 2012     |    |   | 2011          |   |
| Loans accounted for on a non-accrual basis:                                                         |   |     |    |   |          |   |
| Mortgage loans:                                                                                     |   |     |    |   |          |   |
|     One- to four-family                                                         |   | $        | 2,123   |   |          | $      | 2,150 |   |
|     Multi-family                                                                |   |     | 1,449   |   |          |   | -- |   |
|     Commercial                                                                  |   |     | 9,099   |   |          |   | 6,571 |   |
|     Construction – custom and owner / builder                             |   |     | 313     |   |          |   | 320 |   |
|     Construction – speculative one- to four-family                        |   |     | --      |   |          |   | -- |   |
|     Construction – commercial                                             |   |     | --      |   |          |   | 688 |   |
|     Construction – multi-family                                           |   |     | 345     |   |          |   | 632 |   |
|     Construction – land development                                       |   |     | 609     |   |          |   | 1,882 |   |
|     Land                                                                        |   |     | 9,265   |   |          |   | 8,935 |   |
| Consumer loans:                                                                                     |   |     |    |   |          |   |   |   |
|     Home equity and second mortgage                                             |   |     | 776     |   |          |   | 367 |   |
|     Other                                                                       |   |     | 9       |   |          |   | -- |   |
| Commercial business                                                                                 |   |     | 30      |   |          |   | 44 |   |
|        Total loans accounted for on a non-accrual basis          |   |     | 24,018  |   |          |   | 21,589 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Accruing loans which are contractually   past due 90 days or more                    |   |     | 945     |   |          |   | 1,754 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Total of non-accrual and 90 days past due loans                                                     |   |     | 24,963  |   |          |   | 23,343 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Non-accrual investment securities                                                                   |   |     | 2,484   |   |          |   | 2,796 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| OREO and other repossessed assets                                                                   |   |     | 9,997   |   |          |   | 10,811 |   |
|        Total non-performing assets (1)                           |   | $        | 37,444  |   |          | $      | 36,950 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Troubled debt restructured loans on accrual status (2)                                              |   | $        | 14,579  |   |          | $      | 18,166 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Non-accrual and 90 days or more past   due loans as a percentage of loans receivable |   |     | 4.55    | %      |          |   | 4.32 | % |
|                                                                                                |   |     |    |   |          |   |   |   |
| Non-accrual and 90 days or more past   due loans as a percentage of total assets     |   |     | 3.42    | %      |          |   | 3.16 | % |
|                                                                                                |   |     |    |   |          |   |   |   |
| Non-performing assets as a percentage of total assets                                               |   |     | 5.14    | %      |          |   | 5.01 | % |
|                                                                                                |   |     |    |   |          |   |   |   |
| Loans receivable (3)                                                                                |   | $        | 548,772 |   |          | $      | 539,970 |   |
|                                                                                                |   |     |    |   |          |   |   |   |
| Total assets                                                                                        |   | $        | 729,136 |   |          | $      | 738,224 |   |

----

| Nine Months EndedJune 30, 2012          |   | Number ofContracts |   |   | Pre-ModificationOutstandingRecordedInvestment |   |   | Post- ModificationOutstandingRecordedInvestment |   |   | End ofPeriodBalance |   |
|-------------------------------------------------------------|--------|--------------------|--------|--------|-----------------------------------------------|--------|--------|-------------------------------------------------|--------|--------|---------------------|--------|
| One-to four-family                                          |   |               | 1      |   |                                          | $      | 373    |                                            |   | $      | 373                 |   |   | $ | 373 |   |
| Land                                                        |   |               | 1      |   |                                          |   | 249    |                                            |   |   | 249                 |   |   |   | 238 |   |
|          Total |   |               | 2      |   |                                          | $      | 622    |                                            |   | $      | 622                 |   |   | $ | 611 |   |
|                                                        |   |               |   |   |                                          |   |   |                                            |   |   |                |   |   |   |   |   |
|  Year EndedSeptember 30, 2011                          |   |               |   |   |                                          |   |   |                                            |   |   |                |   |   |   |   |   |
|                                                        |   | Number ofContracts |   |   | Pre-ModificationOutstandingRecordedInvestment |   |   | Post- ModificationOutstandingRecordedInvestment |   |   | End ofPeriodBalance |   |
| One-to four-family                                          |   |               | 4      |   |                                          | $      | 1,543  |                                            |   | $      | 1,543               |   |   | $ | 1,543 |   |
| Commercial                                                  |   |               | 2      |   |                                          |   | 3,394  |                                            |   |   | 3,717               |   |   |   | 3,145 |   |
| Construction – commercial                             |   |               | 2      |   |                                          |   | 6,800  |                                            |   |   | 5,451               |   |   |   | 5,435 |   |
| Land                                                        |   |               | 2      |   |                                          |   | 535    |                                            |   |   | 535                 |   |   |   | 526 |   |
| Home equity                                                 |   |               | 2      |   |                                          |   | 303    |                                            |   |   | 303                 |   |   |   | 303 |   |
|          Total |   |               | 12     |   |                                          | $      | 12,575 |                                            |   | $      | 11,549              |   |   | $ | 10,952 |   |

----

|                                                                                              |   | Three Months EndedJune 30,                          |      |   | Nine Months EndedJune 30, |   |
|---------------------------------------------------------------------------------------------------|--------|-----------------------------------------------------|-----------|--------|---------------------------|--------|
|                                                                                              |   | 2012                                                |      |   | 2011                      |   |   | 2012 |   |   | 2011 |   |
|                                                                                              |   | (In thousands, except for share and per share data) |      |
| Basic net income (loss) per common share computation                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |
| Numerator – net income (loss)                                                               |   | $                                                   | 1,348     |   |                      | $      | (1,280 | ) |   | $ | 3,438 |   |   | $ | 1,162 |   |
| Preferred stock dividends                                                                         |   |                                                | (208      | )      |                      |   | (208 | ) |   |   | (624 | ) |   |   | (624 | ) |
| Preferred stock discount accretion                                                                |   |                                                | (61       | )      |                      |   | (57 | ) |   |   | (179 | ) |   |   | (168 | ) |
| Net income (loss) to common shareholders                                                          |   | $                                                   | 1,079     |   |                      | $      | (1,545 | ) |   | $ | 2,635 |   |   | $ | 370 |   |
|                                                                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Denominator – weighted average      common shares outstanding |   |                                                | 6,780,516 |   |                      |   | 6,745,250 |   |   |   | 6,780,516 |   |   |   | 6,745,250 |   |
|                                                                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Basic net income (loss) per common share                                                          |   | $                                                   | 0.16      |   |                      | $      | (0.23 | ) |   | $ | 0.39 |   |   | $ | 0.05 |   |
|                                                                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Diluted net income (loss) per common share computation                                            |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Numerator – net income (loss)                                                               |   | $                                                   | 1,348     |   |                      | $      | (1,280 | ) |   | $ | 3,438 |   |   | $ | 1,162 |   |
| Preferred stock dividend                                                                          |   |                                                | (208      | )      |                      |   | (208 | ) |   |   | (624 | ) |   |   | (624 | ) |
| Preferred stock discount accretion                                                                |   |                                                | (61       | )      |                      |   | (57 | ) |   |   | (179 | ) |   |   | (168 | ) |
| Net income (loss) to common shareholders                                                          |   | $                                                   | 1,079     |   |                      | $      | (1,545 | ) |   | $ | 2,635 |   |   | $ | 370 |   |
|                                                                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Denominator – weighted average      common shares outstanding |   |                                                | 6,780,516 |   |                      |   | 6,745,250 |   |   |   | 6,780,516 |   |   |   | 6,745,250 |   |
| Effect of dilutive stock options (1)(2)                                                           |   |                                                | --        |   |                      |   | -- |   |   |   | -- |   |   |   | 237 |   |
| Effect of dilutive stock warrant (3)                                                              |   |                                                | --        |   |                      |   | -- |   |   |   | -- |   |   |   | -- |   |
| Weighted average common shares   and common stock equivalents                      |   |                                                | 6,780,516 |   |                      |   | 6,745,250 |   |   |   | 6,780,516 |   |   |   | 6,745,487 |   |
|                                                                                              |   |                                                |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Diluted net income (loss) per common share                                                        |   | $                                                   | 0.16      |   |                      | $      | (0.23 | ) |   | $ | 0.39 |   |   | $ | 0.05 |   |

----

|                                     |   | Nine Months EndedJune 30, 2012 |    |   | Nine Months EndedJune 30, 2011 |   |
|------------------------------------------|--------|--------------------------------|---------|--------|--------------------------------|--------|
|                                     |   |   Shares             |    |   | Weighted AverageExercise Price |   |   |   Shares |   |   | Weighted AverageExercise Price |   |
| Options outstanding, beginning of period |   |                           | 137,726 |   |                           | $      | 9.25 |   |   |   | 194,864 |   |   | $ | 8.71 |   |
| Granted                                  |   |                           | 33,500  |   |                           |   | 4.01 |   |   |   | -- |   |   |   | -- |   |
| Forfeited                                |   |                           | (6,200  | )      |                           |   | 6.06 |   |   |   | (57,138 | ) |   |   | 7.42 |   |
| Options outstanding, end of period       |   |                           | 165,026 |   |                           | $      | 8.30 |   |   |   | 137,726 |   |   | $ | 9.25 |   |
|                                     |   |                           |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Options exercisable, end of period       |   |                           | 119,326 |   |                           | $      | 9.89 |   |   |   | 117,326 |   |   | $ | 10.06 |   |

| Expected Volatility      |   | 44% |
|--------------------------|--------|-----|
| Expected term (in years) |   | 5   |
| Expected dividend yield  |   | --% |

| Risk free interest rate         |   | 0.89% |
|---------------------------------|--------|-------|
| Grant date fair value per share |   | $1.56 |

----

|                                      |   | Nine Months Ended June 30, |
|-------------------------------------------|--------|----------------------------|
|                                      |   | 2012                       |   |   | 2011 |
|                                      |   | (Dollars in thousands)     |
|                                      |   | StockOptions               |   |   | StockGrants |   |   | StockOptions |   |   | StockGrants |
| Compensation expense recognized in income |   | $                          | 11 |   |   | $ | 85 |   |   | $ | 5 |   |   | $ | 129 |   |
| Related tax benefit recognized            |   |                       | 4 |   |   |   | 29 |   |   |   | 2 |   |   |   | 44 |   |

|              |   | StockOptions |   |   | StockGrants |   |   | TotalAwards |   |
|-------------------|--------|--------------|--------|--------|-------------|--------|--------|-------------|--------|
| Remainder of 2012 |   | $            | 5      |   |        | $      | 20     |        |   | $ | 25 |   |
| 2013              |   |         | 17     |   |        |   | 38     |        |   |   | 55 |   |
| 2014              |   |         | 17     |   |        |   | 2      |        |   |   | 19 |   |
| 2015              |   |         | 11     |   |        |   | --     |        |   |   | 11 |   |
| 2016              |   |         | 10     |   |        |   | --     |        |   |   | 10 |   |
| 2017              |   |         | 2      |   |        |   | --     |        |   |   | 2 |   |
| Total             |   | $            | 62     |   |        | $      | 60     |        |   | $ | 122 |   |

----

|                                                                      |   | Estimated Fair Value |   |   |    |   |
|---------------------------------------------------------------------------|--------|----------------------|--------|--------|---------|--------|
|                                                                      |   | Level 1              |   |   | Level 2 |   |   | Level 3 |   |   | Total |   |
| Available for Sale Securities                                             |   |                 |   |   |    |   |   |   |   |   |   |   |
| MBS:                                                                      |   |                 |   |   |    |   |   |   |   |   |   |   |
|         U.S. government agencies  |   | $                    | - -    |   |    | $      | 3,140 |   |   | $ | - - |   |   | $ | 3,140 |   |
|         Private label residential |   |                 | - -    |   |    |   | 968 |   |   |   | - - |   |   |   | 968 |   |
| Mutual funds                                                              |   |                 | 1,005  |   |    |   | -- |   |   |   | - - |   |   |   | 1,005 |   |
| Total                                                                     |   | $                    | 1,005  |   |    | $      | 4,108 |   |   | $ | - - |   |   | $ | 5,113 |   |
|                                                                      |   |                 |   |   |    |   |   |   |   |   |   |   |   |   |   |   |

|                                                                      |   | Estimated Fair Value |   |   |    |   |
|---------------------------------------------------------------------------|--------|----------------------|--------|--------|---------|--------|
|                                                                      |   | Level 1              |   |   | Level 2 |   |   | Level 3 |   |   | Total |   |
| Available for Sale Securities                                             |   |                 |   |   |    |   |   |   |   |   |   |   |
| MBS:                                                                      |   |                 |   |   |    |   |   |   |   |   |   |   |
|         U.S. government agencies  |   | $                    | - -    |   |    | $      | 4,583 |   |   | $ | - - |   |   | $ | 4,583 |   |
|         Private label residential |   |                 | - -    |   |    |   | 1,134 |   |   |   | - - |   |   |   | 1,134 |   |
| Mutual funds                                                              |   |                 | 1,000  |   |    |   | - - |   |   |   | - - |   |   |   | 1,000 |   |
| Total                                                                     |   | $                    | 1,000  |   |    | $      | 5,717 |   |   | $ | - - |   |   | $ | 6,717 |   |
|                                                                      |   |                 |   |   |    |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                                                |   | Estimated Fair Value |   |   |    |   |
|-----------------------------------------------------------------------------------------------------|--------|----------------------|--------|--------|---------|--------|
|                                                                                                |   | Level 1              |   |   | Level 2 |   |   | Level 3 |   |   | Total Losses |   |
| Impaired loans:                                                                                     |   |                 |   |   |    |   |   |   |   |   |   |   |
|    Mortgage Loans;                                                                   |   |                 |   |   |    |   |   |   |   |   |   |   |
|         One-to four-family                                  |   | $                    | - -    |   |    | $      | - - |   |   | $ | 2,951 |   |   | $ | 233 |   |
|         Multi-family                                        |   |                 | - -    |   |    |   | - - |   |   |   | 6,899 |   |   |   | - - |   |
|         Commercial                                          |   |                 | - -    |   |    |   | - - |   |   |   | 7,258 |   |   |   | 669 |   |
|         Construction – custom and owner / builder     |   |                 | - -    |   |    |   | - - |   |   |   | 103 |   |   |   | - - |   |
|         Construction – speculative one-to four-family |   |                 | - -    |   |    |   | - - |   |   |   | 700 |   |   |   | 40 |   |
|         Land                                                |   |                 | - -    |   |    |   | - - |   |   |   | 2,581 |   |   |   | 413 |   |
|    Consumer loans:                                                                   |   |                 |   |   |    |   |   |   |   |   |   |   |   |   |   |   |
|         Home equity and second mortgage                     |   |                 | - -    |   |    |   | - - |   |   |   | 643 |   |   |   | 114 |   |
|         Other                                               |   |                 | - -    |   |    |   | - - |   |   |   | 1 |   |   |   | - - |   |
|         Total impaired loans (1)                            |   |                 | - -    |   |    |   | - - |   |   |   | 21,136 |   |   |   | 1,469 |   |

|                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|---------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| MBS – held to maturity (2):                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         Private label residential |   |   | - -    |   |   |   | 193    |   |   |   | - -    |   |   |   | 147    |   |
| OREO and other repossessed items (3)                                      |   |   | - -    |   |   |   | - -    |   |   |   | 9,997  |   |   |   | 1,136  |   |
| MSRs (4)                                                                  |   |   | - -    |   |   |   | - -    |   |   |   | 2,150  |   |   |   | - -    |   |
| Total                                                                     |   | $      | - -    |   |   | $      | 193    |   |   | $      | 33,283 |   |   | $      | 2,752  |   |

| (1)   | The loss represents charge offs on collateral dependent loans for estimated fair value adjustment based on the estimated fair value of the collateral. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)   | The loss represents OTTI credit-related charges on held-to-maturity MBS. |
|-----------------|--------------------------------------------------------------------------|

| (3)   | The loss represents management periodic reviews of the recorded value to determine whether the property continues to be recorded at the lower of its recorded book value or estimated fair value, net of estimated costs to sell. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4)   | The amount of impairment recognized is the amount, if any, by which the amortized cost of the rights exceeds its estimated fair value.  Impairment, if deemed temporary, is recognized through a valuation allowance to the extent that estimated fair value is less than the recorded amount. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                                                |   | Estimated Fair Value |   |   |          |   |
|-----------------------------------------------------------------------------------------------------|--------|----------------------|--------|--------|---------------|--------|
|                                                                                                |   | Level 1         |   |   | Level 2  |   |   | Level 3  |   |   | Total Losses |   |
| Impaired loans:                                                                                     |   |                 |   |   |          |   |   |   |   |   |   |   |
|    Mortgage Loans;                                                                   |   |                 |   |   |          |   |   |   |   |   |   |   |
|         One-to four-family                                  |   | $                    | - -    |   |          | $      | - - |   |   | $ | 1,609 |   |   | $ | 543 |   |
|         Multi-family                                        |   |                 | - -    |   |          |   | - - |   |   |   | 5,482 |   |   |   | - - |   |
|         Commercial                                          |   |                 | - -    |   |          |   | - - |   |   |   | 1,185 |   |   |   | 47 |   |
|         Construction – custom and owner / builder     |   |                 | - -    |   |          |   | - - |   |   |   | 111 |   |   |   | 48 |   |
|         Construction – speculative one-to four-family |   |                 | - -    |   |          |   | - - |   |   |   | 700 |   |   |   | 103 |   |
|         Construction – commercial                     |   |                 | - -    |   |          |   | - - |   |   |   | 5,435 |   |   |   | 1,444 |   |
|         Land                                                |   |                 | - -    |   |          |   | - - |   |   |   | 1,799 |   |   |   | 1,704 |   |
|    Consumer loans:                                                                   |   |                 |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
|         Home equity and second mortgage                     |   |                 | - -    |   |          |   | - - |   |   |   | 345 |   |   |   | 150 |   |
|         Other                                               |   |                 | - -    |   |          |   | - - |   |   |   | 1 |   |   |   | 30 |   |
|         Total impaired loans                                |   |                 | - -    |   |          |   | - - |   |   |   | 16,667 |   |   |   | 4,069 |   |
|                                                                                                |   |                 |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| MBS – held to maturity (2):                                                                   |   |                 |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
|         Private label residential                           |   |                 | - -    |   |          |   | 211 |   |   |   | - - |   |   |   | 421 |   |
| OREO and other repossessed items (3)                                                                |   |                 | - -    |   |          |   | - - |   |   |   | 10,811 |   |   |   | 1,305 |   |
| MSRs (4)                                                                                            |   |                 | - -    |   |          |   | - - |   |   |   | 2,108 |   |   |   | - - |   |
| Total                                                                                               |   | $                    | - -    |   |          | $      | 211 |   |   | $ | 29,586 |   |   | $ | 5,795 |   |

| (1)   | The loss represents charge offs on collateral dependent loans for estimated fair value adjustment based on the estimated fair value of the collateral. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)   | The loss represents OTTI credit-related charges on held-to-maturity MBS. |
|-----------------|--------------------------------------------------------------------------|

| (3)   | The loss represents management periodic reviews of the recorded value to determine whether the property continues to be recorded at the lower of its recorded book value or estimated fair value, net of estimated costs to sell. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4)   | The amount of impairment recognized is the amount, if any, by which the amortized cost of the rights exceed their estimated fair value.  Impairment, if deemed temporary, is recognized through a valuation allowance to the extent that estimated fair value is less than the recorded amount. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                          |   | June 30, 2012    |   |
|-------------------------------|--------|------------------|--------|
|                          |   | Fair Value  |   | Valuation Technique(s) |  Unobservable Input(s)  |  Range  |
|                          |   |             |   |   |   |   |
|                          |   |             |   |   |   |   |   |
|  Impaired loans          |   | $                | 21,136 |   | Market approach | Appraised value less sellingcosts | NA |
|                          |   |             |   |   |   |   |   |
|  Other real estate owned |   | $                | 9,997  |   | Market approach | Lower of appraised value orlisting price less selling costs | NA |
|                          |   |             |   |   |   |   |   |
|  MSRs                    |   | $                | 2,150  |   | Discounted cashflows | Discount ratePrepayment Speeds | 10.08% - 12.50%279 to 559 |
|                          |   |             |   |   |   |   |   |
|                          |   |             |   |   |   |   |   |

----

|                                                                                                           |   | June 30, 2012  |    |
|----------------------------------------------------------------------------------------------------------------|--------|----------------|---------|
|                                                                                                           |   |           |    |   | Fair Value Measurements Using: |   |
|                                                                                                           |   | RecordedAmount |    |   |  Total |   |   |  Level 1 |   |   |  Level 2 |   |   |  Level 3 |   |
| Financial Assets                                                                                               |   |           |    |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                           |   |           |    |   |   |   |   |   |   |   |   |   |   |   |   |
|      Cash and cash equivalents                                                        |   | $              | 92,988  |   |   | $ | 92,988 |   |   | $ | 92,988 |   |   | $ | - - |   |   | $ | - - |   |
|      CDs held for investment                                                          |   |           | 22,781  |   |   |   | 22,781 |   |   |   | 22,781 |   |   |   | - - |   |   |   | - - |   |
|      MBS and other investments                                                        |   |           | 8,616   |   |   |   | 8,764 |   |   |   | 1,035 |   |   |   | 7,729 |   |   |   | - - |   |
|      FHLB stock                                                                       |   |           | 5,705   |   |   |   | N/A |   |   |   | N/A |   |   |   | - - |   |   |   | - - |   |
|      Loans receivable, net                                                            |   |           | 533,105 |   |   |   | 491,809 |   |   |   | - - |   |   |   | - - |   |   |   | 491,809 |   |
|      Loans held for sale                                                              |   |           | 4,064   |   |   |   | 4,194 |   |   |   | 4,194 |   |   |   | - - |   |   |   | - - |   |
|      Accrued interest receivable                                                      |   |           | 2,161   |   |   |   | 2,161 |   |   |   | 2,161 |   |   |   | - - |   |   |   | - - |   |
|                                                                                                           |   |           |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Financial Liabilities                                                                                          |   |           |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Deposits:                                                                        |   |           |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|           Non-interest bearing demand                        |   | $              | 70,004  |   |   | $ | 70,004 |   |   | $ | 70,004 |   |   | $ | - - |   |   | $ | - - |   |
|           Interest-bearing                                   |   |           | 520,362 |   |   |   | 522,501 |   |   |   | 311,888 |   |   |   | - - |   |   |   | 210,613 |   |
|                 Total deposits |   |           | 590,366 |   |   |   | 592,505 |   |   |   | 381,892 |   |   |   | - - |   |   |   | 210,613 |   |
|      FHLB advances                                                                    |   |           | 45,000  |   |   |   | 50,624 |   |   |   | - - |   |   |   | 50,624 |   |   |   | - - |   |
|      Repurchase agreements                                                            |   |           | 826     |   |   |   | 826 |   |   |   | 826 |   |   |   | - - |   |   |   | - - |   |
|      Accrued interest payable                                                         |   |           | 429     |   |   |   | 467 |   |   |   | 467 |   |   |   | - - |   |   |   | - - |   |

|                                                          |   | September 30, 2011 |    |
|---------------------------------------------------------------|--------|--------------------|---------|
|                                                          |   | RecordedAmount     |    |   | EstimatedFair Value |   |
| Financial Assets                                              |   |               |    |   |   |   |
|      Cash and cash equivalents       |   | $                  | 112,065 |   |   | $ | 112,065 |   |
|      CDs held for investment         |   |               | 18,659  |   |   |   | 18,659 |   |
|      MBS and other investments       |   |               | 10,862  |   |   |   | 10,946 |   |
|      FHLB stock                      |   |               | 5,705   |   |   |   | N/A |   |
|      Loans receivable, net           |   |               | 523,980 |   |   |   | 490,322 |   |
|      Loans held for sale             |   |               | 4,044   |   |   |   | 4,185 |   |
|      Accrued interest receivable     |   |               | 2,411   |   |   |   | 2,411 |   |
|                                                          |   |               |    |   |   |   |   |   |
| Financial Liabilities                                         |   |               |    |   |   |   |   |   |
|      Deposits                        |   | $                  | 592,678 |   |   | $ | 595,331 |   |
|      FHLB advances – long term |   |               | 55,000  |   |   |   | 61,009 |   |
|      Repurchase agreements           |   |               | 729     |   |   |   | 729 |   |
|      Accrued interest payable        |   |               | 545     |   |   |   | 545 |   |

----

----

----

----

----

----

----

|                                                                                                               |   | Three Months Ended June 30, |    |
|--------------------------------------------------------------------------------------------------------------------|--------|-----------------------------|---------|
|                                                                                                               |   | 2012                        |    |   | 2011 |   |
|                                                                                                               |   | Average                     |    |   | Interest and |   |   | Yield/ |   |   | Average |   |   | Interest and |   |   | Yield/ |   |
|                                                                                                               |   | Balance                     |    |   | Dividends |   |   | Cost |   |   | Balance |   |   | Dividends |   |   | Cost |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing assets: (1)                                                                                       |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Loans receivable (2)                                                                                   |   | $                           | 548,450 |   |   | $ | 7,842 |   |   |   | 5.72 | % |   | $ | 537,858 |   |   | $ | 8,192 |   |   |   | 6.09 | % |
|   MBS and other investments (2)                                                                          |   |                        | 7,824   |   |   |   | 89 |   |   |   | 4.55 |   |   |   | 11,256 |   |   |   | 141 |   |   |   | 5.01 |   |
|   FHLB stock and equity securities                                                                       |   |                        | 6,706   |   |   |   | 6 |   |   |   | 0.36 |   |   |   | 6,676 |   |   |   | 8 |   |   |   | 0.48 |   |
|   Interest-bearing deposits                                                                              |   |                        | 106,735 |   |   |   | 82 |   |   |   | 0.31 |   |   |   | 126,739 |   |   |   | 90 |   |   |   | 0.28 |   |
|      Total interest-bearing assets                                                        |   |                        | 669,715 |   |   |   | 8,019 |   |   |   | 4.79 |   |   |   | 682,529 |   |   |   | 8,431 |   |   |   | 4.94 |   |
| Non-interest-bearing assets                                                                                        |   |                        | 63,528  |   |   |   |   |   |   |   |   |   |   |   | 60,678 |   |   |   |   |   |   |   |   |   |
|      Total assets                                                                         |   | $                           | 733,243 |   |   |   |   |   |   |   |   |   |   | $ | 743,207 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                                      |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Savings accounts                                                                                       |   | $                           | 88,696  |   |   |   | 54 |   |   |   | 0.24 |   |   | $ | 76,411 |   |   |   | 107 |   |   |   | 0.56 |   |
|   Money market accounts                                                                                  |   |                        | 71,122  |   |   |   | 81 |   |   |   | 0.46 |   |   |   | 57,984 |   |   |   | 94 |   |   |   | 0.65 |   |
|   N.O.W. accounts                                                                                        |   |                        | 151,578 |   |   |   | 150 |   |   |   | 0.40 |   |   |   | 158,905 |   |   |   | 340 |   |   |   | 0.86 |   |
|   Certificates of deposit                                                                                |   |                        | 212,854 |   |   |   | 640 |   |   |   | 1.21 |   |   |   | 242,573 |   |   |   | 922 |   |   |   | 1.52 |   |
|   Short-term borrowings                                                                                  |   |                        | 818     |   |   |   | - |   |   |   | 0.05 |   |   |   | 509 |   |   |   | - |   |   |   | 0.05 |   |
|   Long-term borrowings (3)                                                                               |   |                        | 45,000  |   |   |   | 466 |   |   |   | 4.15 |   |   |   | 55,000 |   |   |   | 556 |   |   |   | 4.05 |   |
|      Total interest-bearing liabilities                                                   |   |                        | 570,068 |   |   |   | 1,391 |   |   |   | 0.98 |   |   |   | 591,382 |   |   |   | 2,019 |   |   |   | 1.37 |   |
| Non-interest-bearing liabilities                                                                                   |   |                        | 74,640  |   |   |   |   |   |   |   |   |   |   |   | 64,028 |   |   |   |   |   |   |   |   |   |
|      Total liabilities                                                                    |   |                        | 644,708 |   |   |   |   |   |   |   |   |   |   |   | 655,410 |   |   |   |   |   |   |   |   |   |
| Shareholders' equity                                                                                               |   |                        | 88,535  |   |   |   |   |   |   |   |   |   |   |   | 87,797 |   |   |   |   |   |   |   |   |   |
|      Total liabilities and                                                                |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        shareholders' equity                                                     |   | $                           | 733,243 |   |   |   |   |   |   |   |   |   |   | $ | 743,207 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                                                |   |                        |    |   |   | $ | 6,628 |   |   |   |   |   |   |   |   |   |   | $ | 6,412 |   |   |   |   |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread                                                                                               |   |                        |    |   |   |   |   |   |   |   | 3.81 | % |   |   |   |   |   |   |   |   |   |   | 3.57 | % |
| Net interest margin (4)                                                                                            |   |                        |    |   |   |   |   |   |   |   | 3.96 | % |   |   |   |   |   |   |   |   |   |   | 3.76 | % |
| Ratio of average interest-bearing   assets to average interest-bearing   liabilities |   |                        |    |   |   |   |   |   |   |   | 117.48 | % |   |   |   |   |   |   |   |   |   |   | 115 .41 | % |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (1)   | Interest yield on loans and MBS is calculated assuming a 30/360 basis; interest yield on all other categories is based on daily interest basis. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)   | Average balances include loans and MBS on non-accrual status. |
|-----------------|---------------------------------------------------------------|

| (3)   | Includes FHLB advances with original maturities of one year or greater. |
|-----------------|-------------------------------------------------------------------------|

| (4)   | Net interest income divided by total average interest bearing assets, annualized. |
|-----------------|-----------------------------------------------------------------------------------|

----

|                                                                                                               |   | Nine Months Ended June 30, |    |
|--------------------------------------------------------------------------------------------------------------------|--------|----------------------------|---------|
|                                                                                                               |   | 2012                       |    |   | 2011 |   |
|                                                                                                               |   | Average                    |    |   | Interest and |   |   | Yield/ |   |   | Average |   |   | Interest and |   |   | Yield/ |   |
|                                                                                                               |   | Balance                    |    |   | Dividends |   |   | Cost |   |   | Balance |   |   | Dividends |   |   | Cost |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing assets: (1)                                                                                       |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Loans receivable (2)                                                                                   |   | $                          | 542,378 |   |   | $ | 23,254 |   |   |   | 5.72 | % |   | $ | 537,782 |   |   | $ | 24,966 |   |   |   | 6.19 | % |
|   MBS and other investments (2)                                                                          |   |                       | 8,825   |   |   |   | 323 |   |   |   | 4.88 |   |   |   | 12,056 |   |   |   | 486 |   |   |   | 5.37 |   |
|   FHLB stock and equity securities                                                                       |   |                       | 6,704   |   |   |   | 26 |   |   |   | 0.52 |   |   |   | 6,677 |   |   |   | 23 |   |   |   | 0.46 |   |
|   Interest-bearing deposits                                                                              |   |                       | 115,142 |   |   |   | 252 |   |   |   | 0.29 |   |   |   | 116,257 |   |   |   | 260 |   |   |   | 0.30 |   |
|      Total interest-bearing assets                                                        |   |                       | 673,049 |   |   |   | 23,855 |   |   |   | 4.73 |   |   |   | 672,772 |   |   |   | 25,735 |   |   |   | 5.10 |   |
| Non-interest-bearing assets                                                                                        |   |                       | 61,089  |   |   |   |   |   |   |   |   |   |   |   | 59,269 |   |   |   |   |   |   |   |   |   |
|      Total assets                                                                         |   | $                          | 734,138 |   |   |   |   |   |   |   |   |   |   | $ | 732,041 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                                      |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Savings accounts                                                                                       |   | $                          | 86,664  |   |   |   | 214 |   |   |   | 0.33 |   |   | $ | 71,723 |   |   |   | 355 |   |   |   | 0.66 |   |
|   Money market accounts                                                                                  |   |                       | 67,655  |   |   |   | 263 |   |   |   | 0.52 |   |   |   | 57,919 |   |   |   | 342 |   |   |   | 0.79 |   |
|   N.O.W. accounts                                                                                        |   |                       | 153,829 |   |   |   | 516 |   |   |   | 0.45 |   |   |   | 157,397 |   |   |   | 1,140 |   |   |   | 0.97 |   |
|   Certificates of deposit                                                                                |   |                       | 218,535 |   |   |   | 2,135 |   |   |   | 1.30 |   |   |   | 242,697 |   |   |   | 2,968 |   |   |   | 1.64 |   |
|   Short-term borrowings                                                                                  |   |                       | 671     |   |   |   | - |   |   |   | 0.05 |   |   |   | 514 |   |   |   | - |   |   |   | 0.05 |   |
|   Long-term borrowings (3)                                                                               |   |                       | 48,467  |   |   |   | 1,525 |   |   |   | 4.19 |   |   |   | 55,000 |   |   |   | 1,835 |   |   |   | 4.46 |   |
|      Total interest-bearing liabilities                                                   |   |                       | 575,821 |   |   |   | 4,653 |   |   |   | 1.08 |   |   |   | 585,250 |   |   |   | 6,640 |   |   |   | 1.52 |   |
| Non-interest-bearing liabilities                                                                                   |   |                       | 70,769  |   |   |   |   |   |   |   |   |   |   |   | 60,105 |   |   |   |   |   |   |   |   |   |
|      Total liabilities                                                                    |   |                       | 646,590 |   |   |   |   |   |   |   |   |   |   |   | 645,355 |   |   |   |   |   |   |   |   |   |
| Shareholders' equity                                                                                               |   |                       | 87,548  |   |   |   |   |   |   |   |   |   |   |   | 86,686 |   |   |   |   |   |   |   |   |   |
|      Total liabilities and                                                                |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        shareholders' equity                                                     |   | $                          | 734,138 |   |   |   |   |   |   |   |   |   |   | $ | 732,041 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                                                |   |                       |    |   |   | $ | 19,202 |   |   |   |   |   |   |   |   |   |   | $ | 19,095 |   |   |   |   |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest rate spread                                                                                               |   |                       |    |   |   |   |   |   |   |   | 3.65 | % |   |   |   |   |   |   |   |   |   |   | 3.58 | % |
| Net interest margin (4)                                                                                            |   |                       |    |   |   |   |   |   |   |   | 3.80 | % |   |   |   |   |   |   |   |   |   |   | 3.78 | % |
| Ratio of average interest-bearing   assets to average interest-bearing   liabilities |   |                       |    |   |   |   |   |   |   |   | 116.89 | % |   |   |   |   |   |   |   |   |   |   | 114.95 | % |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                       |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (1)   | Interest yield on loans and MBS is calculated assuming a 30/360 basis; interest yield on all other categories is based on daily interest basis. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)   | Average balances include loans and MBS on non-accrual status. |
|-----------------|---------------------------------------------------------------|

| (3)   | Includes FHLB advances with original maturities of one year or greater. |
|-----------------|-------------------------------------------------------------------------|

| (4)   | Net interest income divided by total average interest bearing assets, annualized. |
|-----------------|-----------------------------------------------------------------------------------|

----

|                                                                             |   | Three months ended June 30, 2012 compared to three monthsended June 30, 2011increase (decrease) due to |   |   | Nine months ended June 30, 2012compared to nine monthsended June 30, 2011increase (decrease) due to |   |
|----------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------|--------|--------|-----------------------------------------------------------------------------------------------------|--------|
|                                                                             |   | Rate                                                                                                   |   |   | Volume                                                                                              |   |   | Net Change |   |   | Rate |   |   | Volume |   |   | Net Change |   |
| Interest-bearing assets:                                                         |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Loans receivable (1)                                                 |   | $                                                                                                      | (509   | )      |                                                                                                | $      | 159 |   |   | $ | (350 | ) |   | $ | (1,668 | ) |   | $ | (44 | ) |   | $ | (1,712 | ) |
|   MBS and other                                                        |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     investments                                              |   |                                                                                                   | (12    | )      |                                                                                                |   | (40 | ) |   |   | (52 | ) |   |   | (42 | ) |   |   | (121 | ) |   |   | (163 | ) |
|   FHLB stock and equity                                                |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     securities                                               |   |                                                                                                   | (2     | )      |                                                                                                |   | -- |   |   |   | (2 | ) |   |   | 3 |   |   |   | -- |   |   |   | 3 |   |
|   Interest-bearing deposits                                            |   |                                                                                                   | 7      |   |                                                                                                |   | (15 | ) |   |   | (8 | ) |   |   | (6 | ) |   |   | (2 | ) |   |   | (8 | ) |
|   Total net (decrease) increase in                                     |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     income on interest-earning    assets |   |                                                                                                   | (516   | )      |                                                                                                |   | 104 |   |   |   | (412 | ) |   |   | (1,713 | ) |   |   | (167 | ) |   |   | (1,880 | ) |
|                                                                             |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                    |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   Savings accounts                                                     |   |                                                                                                   | (69    | )      |                                                                                                |   | 16 |   |   |   | (53 | ) |   |   | (134 | ) |   |   | (7 | ) |   |   | (141 | ) |
|   N.O.W accounts                                                       |   |                                                                                                   | (175   | )      |                                                                                                |   | (15 | ) |   |   | (190 | ) |   |   | (599 | ) |   |   | (25 | ) |   |   | (624 | ) |
|   Money market accounts                                                |   |                                                                                                   | (31    | )      |                                                                                                |   | 18 |   |   |   | (13 | ) |   |   | (79 | ) |   |   | - |   |   |   | (79 | ) |
|   CD accounts                                                          |   |                                                                                                   | (178   | )      |                                                                                                |   | (104 | ) |   |   | (282 | ) |   |   | (557 | ) |   |   | (276 | ) |   |   | (833 | ) |
|   Short-term borrowings                                                |   |                                                                                                   | --     |   |                                                                                                |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |   |   | -- |   |
|   Long-term borrowings                                                 |   |                                                                                                   | 13     |   |                                                                                                |   | (103 | ) |   |   | (90 | ) |   |   | (100 | ) |   |   | (210 | ) |   |   | (310 | ) |
|                                                                             |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total net decrease in expense                                                    |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   on interest-bearing                                                  |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    liabilities                                                    |   |                                                                                                   | (440   | )      |                                                                                                |   | (188 | ) |   |   | (628 | ) |   |   | (1,469 | ) |   |   | (518 | ) |   |   | (1,987 | ) |
|                                                                             |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net increase (decrease)                                                          |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   in net interest income                                               |   | $                                                                                                      | (76    | )      |                                                                                                | $      | 292 |   |   | $ | 216 |   |   | $ | (244 | ) |   | $ | 351 |   |   | $ | 107 |   |
|                                                                             |   |                                                                                                   |   |   |                                                                                                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

----

----

|                                                                      |   |     Actual |   |   |  RegulatoryMinimum ToBe “AdequatelyCapitalized” |   |   | To Be “Well Capitalized”Under PromptCorrective ActionProvisions |   |
|---------------------------------------------------------------------------|--------|--------------------------------|--------|--------|-----------------------------------------------------------------------|--------|--------|-----------------------------------------------------------------------------|--------|
|                                                                      |   | Amount                         |   |   | Ratio                                                                 |   |   | Amount                                                                      |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
| Tier 1 leverage capital:                                                  |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |
|          Consolidated        |   | $                              | 84,378 |   |                                                                  |   | 11.59  | %                                                                           |   | $ | 29,113 |   |   |   | 4.00 | % |   |   | N/A |   |   |   | N/A | % |
|          Timberland Bank (1) |   |                           | 78,587 |   |                                                                  |   | 10.85  |                                                                        |   |   | 72,414 |   |   |   | 10.00 |   |   | $ | 72,414 |   |   |   | 10.00 |   |
|                                                                      |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tier 1 risk adjusted capital:                                             |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|          Consolidated        |   |                           | 84,378 |   |                                                                  |   | 15.58  |                                                                        |   |   | 21,657 |   |   |   | 4.00 |   |   |   | N/A |   |   |   | N/A |   |
|          Timberland Bank (1) |   |                           | 78,587 |   |                                                                  |   | 14.55  |                                                                        |   |   | 32,415 |   |   |   | 6.00 |   |   |   | 32,415 |   |   |   | 6.00 |   |
|                                                                      |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total risk–based capital                                            |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|          Consolidated        |   |                           | 91,207 |   |                                                                  |   | 16.85  |                                                                        |   |   | 43,314 |   |   |   | 8.00 |   |   |   | N/A |   |   |   | N/A |   |
|          Timberland Bank (1) |   |                           | 85,402 |   |                                                                  |   | 15.81  |                                                                        |   |   | 54,025 |   |   |   | 10.00 |   |   |   | 54,025 |   |   |   | 10.00 |   |
|                                                                      |   |                           |   |   |                                                                  |   |   |                                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (1)   | Reflects the higher Tier 1 leverage capital ratio that the Bank is required to comply with under terms of the Bank MOU with the FDIC and the Division.  Also reflects that the Bank is required to maintain Tier 1 risk adjusted capital ratio and Total risk-based capital ratio at or above the “well capitalized” thresholds under the terms of the Bank MOU. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  (Dollars in thousands, except per share data) |   |                       |   |   |
|-----------------------------------------------------|--------|----------------------------|--------|--------|
|                                                |   | Three Months EndedJune 30, |   |   | Nine Months EndedJune 30, |   |
|                                                |   | 2012                       |   |   | 2011 |   |   | 2012 |   |   | 2011 |   |
| PERFORMANCE RATIOS:                                 |   |                       |   |   |   |   |   |   |   |   |   |   |
| Return (loss) on average assets (1)                 |   |                       | 0.74   | %      |   |   | (0.69 | )% |   |   | 0.62 | % |   |   | 0.21 | % |
| Return (loss) on average equity (1)                 |   |                       | 6.09   | %      |   |   | (5.83 | )% |   |   | 5.24 | % |   |   | 1.79 | % |
| Net interest margin (1)                             |   |                       | 3.96   | %      |   |   | 3.76 | % |   |   | 3.80 | % |   |   | 3.78 | % |
| Efficiency ratio                                    |   |                       | 67.98  | %      |   |   | 82.98 | % |   |   | 71.34 | % |   |   | 74.61 | % |

|                                     |   | AtJune 30, |   |   | AtSeptember 30, |   |   | AtJune 30, |   |
|------------------------------------------|--------|------------|--------|--------|-----------------|--------|--------|------------|--------|
|                                     |   | 2012       |   |   | 2011            |   |   | 2011       |   |
| BOOK VALUES:                             |   |       |   |   |            |   |   |       |   |
| Book value per common share              |   | $          | 10.38  |   |            | $      | 9.97   |       |   | $ | 9.99 |   |
| Tangible book value per common share (2) |   | $          | 9.53   |   |            | $      | 9.11   |       |   | $ | 9.13 |   |

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| (a)   | Evaluation of Disclosure Controls and Procedures:  An evaluation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) of the Securities Exchange Act of 1934 (the “Exchange Act”)) was carried out under the supervision and with the participation of the Company’s Chief Executive Officer, Chief Financial Officer and several other members of the Company’s senior management as of the end of the period covered by this report.  The Company’s Chief Executive Officer and Chief Financial Officer concluded that as of June 30, 2012 the Company’s disclosure controls and procedures were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Exchange Act is (i) accumulated and communicated to the Company’s management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner to allow timely decisions regarding required disclosure, and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Changes in Internal Controls:  There have been no changes in our internal control over financial reporting (as defined in 13a-15(f) of the Exchange Act) that occurred during the quarter ended June 30, 2012, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.  The Company continued, however, to implement suggestions from its internal auditor and independent auditors to strengthen existing controls.  The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all errors and fraud.  A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met.  Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected.  These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns in controls or procedures can occur because of simple error or mistake.  Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the control.  The design of any control procedure is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; as over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate.  Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|  (a) | Exhibits    |
|-----------|------------------|
|      | 3.1         | Articles of Incorporation of the Registrant (1)  |   |
|      | 3.2         | Certificate of Designation relating to the Company’s Fixed Rate Cumulative PerpetualPreferred Stock Series A (2) |   |
|      | 3.3         | Amended and Restated Bylaws of the Registrant (3)  |   |
|      | 4.1         | Warrant to purchase shares of Company’s common stock dated December 23, 2008 (2)  |   |
|      | 4.2         | Letter Agreement (including Securities Purchase Agreement Standard Terms attached asExhibit A) dated December 23, 2008 between the Company and the United StatesDepartment of the Treasury (2) |   |
|      | 10.1        | Employee Severance Compensation Plan, as revised (4)  |   |
|      | 10.2        | Employee Stock Ownership Plan (4)  |   |
|      | 10.3        | 1999 Stock Option Plan (5)  |   |
|      | 10.4        | Management Recognition and Development Plan (5)  |   |
|      | 10.5   | 2003 Stock Option Plan (6)  |   |
|      | 10.6        | Form of Incentive Stock Option Agreement (7)  |   |
|      | 10.7        | Form of Non-qualified Stock Option Agreement (7)  |   |
|      | 10.8   | Form of Management Recognition and Development Award Agreement (7)  |   |
|      | 10.9        | Form of Compensation Modification Agreements (2)  |   |
|      | 31.1        | Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes Oxley Act |   |
|      | 31.2             | Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes Oxley Act |   |
|      | 32          | Certification of Chief Executive Officer and Chief Financial Officer Pursuant to Section906 of the Sarbanes Oxley Act |   |
|      | 101         | The following materials from Timberland Bancorp Inc.’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, formatted on Extensible Business Reporting Language (XBRL) (a) Condensed Consolidated Balance Sheets; (b) Condensed Consolidated Statements of Operations; (c) Condensed Consolidated Statements of Comprehensive Income (Loss); (d) Condensed Consolidated Statements of Shareholders’ Equity; (e) Condensed Consolidated Statements of Cash Flows; and (f) Notes to Unaudited Condensed Consolidated Financial Statements (8) |   |

|   | (1)        | Incorporated by reference to the Registrant’s Registration Statement onForm S-1 (333- 35817).                                                                                                                                                                                                                                             |
|--------|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | (2)   | Incorporated by reference to the Registrant’s Current Report on Form 8-K filed onDecember 23, 2008.                                                                                                                                                                                                                                       |
|   | (3)             | Incorporated by reference to the Registrant’s Current Report on Form 8-K filed on April 29, 2010.                                                                                                                                                                                                                                         |
|   | (4)        | Incorporated by reference to the Registrant’s Quarterly Report on Form 10-Q for the quarter ended December 31, 1997; and to the Registrant’s Current Report on Form 8-K dated April 13, 2007, and to the Registrant’s Current Report on Form 8-K dated December 18, 2007.                                                     |
|   | (5)             | Incorporated by reference to the Registrant’s 1999 Annual Meeting Proxy Statement dated December 15, 1998.                                                                                                                                                                                                                                |
|   | (6)             | Incorporated by reference to the Registrant’s 2004 Annual Meeting Proxy Statement dated December 24, 2003.                                                                                                                                                                                                                                |
|   | (7)             | Incorporated by reference to the Registrant’s Annual Report on Form 10-K for the year ended September 30, 2005.                                                                                                                                                                                                                           |
|   | (8)        | Pursuant to Rule 406T of Regulation S-T, these interactive data files are deemed not filed or part of a registration statement or prospectus for purposes of Section 11 or 12 of the Securities Act of 1933 or Section 18 of the Securities Exchange Act of 1934, as amended, and otherwise not subject to liability under those sections. |

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|                                        | Timberland Bancorp, Inc.                                                                                                                                                                                                                 |
|---------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                        |                                                                                                                                                                                                                                          |
| Date:  August 9, 2012        | By: /s/Michael R. Sand                                    |
|                                        |       Michael R. Sand                                                                                                                                                                                                |
|                                        |       Chief Executive Officer                                                                                                                                                                                   |
|                                        |       (Principal Executive Officer)                                                                                                                                                                             |
|                                        |                                                                                                                                                                                                                                          |
|                                        |                                                                                                                                                                                                                                          |
| Date:   August 9, 2012  | By: /s/Dean J. Brydon                                     |
|                                        |       Dean J. Brydon                                                                                                                                                                                            |
|                                        |       Chief Financial Officer       (Principal Financial Officer)                                                                                                                      |

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| Exhibit No.    |  Description of Exhibit |   |
|-------------------------------|------------------------------|--------|

| 31.1        | Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 31.2   | Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 32          | Certification Pursuant to Section 906 of the Sarbanes-Oxley Act                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 101         | The following materials from Timberland Bancorp Inc.’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2012, formatted on Extensible Business Reporting Language (XBRL) (a) Condensed Consolidated Balance Sheets; (b) Condensed Consolidated Statements of Operations; (c) Condensed Consolidated Statements of Comprehensive Income (Loss); (d) Condensed Consolidated Statements of Shareholders’ Equity; (e) Condensed Consolidated Statements of Cash Flows; and (f) Notes to Unaudited Condensed Consolidated Financial Statements |

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