| Maryland                                             |   | 43-1524856                           |
|------------------------------------------------------|--------|--------------------------------------|
| (State of Incorporation)                             |   | (IRS Employer Identification Number) |
|                                                 |   |                                 |
| 1451 E. Battlefield, Springfield, Missouri           |   | 65804                                |
| (Address of Principal Executive Offices)             |   | (Zip Code)                           |
|                                                 |   |                                 |
| (417) 887-4400                                       |
| (Registrant's telephone number, including area code) |

| Large accelerated filer /  / | Accelerated filer /X/ | Non-accelerated filer /  /               | Smaller reporting company /  / |
|----------------------------------------|-----------------------|----------------------------------------------------|------------------------------------------|
|                                   |                  | (Do not check if a smallerreporting company)  |                                     |

|                                                                                                                                                     |   | MARCH 31,   |      |   | DECEMBER 31, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------|-----------|--------|--------------|--------|
|                                                                                                                                                     |   | 2011        |      |   | 2010         |   |
|                                                                                                                                                     |   | (Unaudited) |      |   |         |   |
| ASSETS                                                                                                                                                   |   |        |      |   |         |   |
| Cash                                                                                                                                                     |   | $           | 72,836    |   |         | $      | 69,756 |   |
| Interest-bearing deposits in other financial institutions                                                                                                |   |        | 389,461   |   |         |   | 360,215 |   |
| Cash and cash equivalents                                                                                                                                |   |        | 462,297   |   |         |   | 429,971 |   |
| Available-for-sale securities                                                                                                                            |   |        | 838,178   |   |         |   | 769,546 |   |
| Held-to-maturity securities (fair value $1,270 – March 2011;                                                                                       |   |        |      |   |         |   |   |   |
|      $1,300 - December 2010)                                                                                                         |   |        | 1,125     |   |         |   | 1,125 |   |
| Mortgage loans held for sale                                                                                                                             |   |        | 7,401     |   |         |   | 22,499 |   |
| Loans receivable, net of allowance for loan losses of                                                                                                    |   |        |      |   |         |   |   |   |
|      $41,834 – March 2011; $41,487 - December 2010                                                                             |   |        | 1,888,493 |   |         |   | 1,876,887 |   |
| FDIC indemnification asset                                                                                                                               |   |        | 87,410    |   |         |   | 100,878 |   |
| Interest receivable                                                                                                                                      |   |        | 11,667    |   |         |   | 12,628 |   |
| Prepaid expenses and other assets                                                                                                                        |   |        | 50,674    |   |         |   | 52,390 |   |
| Foreclosed assets held for sale, net                                                                                                                     |   |        | 61,872    |   |         |   | 60,262 |   |
| Premises and equipment, net                                                                                                                              |   |        | 73,098    |   |         |   | 68,352 |   |
| Goodwill and other intangible assets                                                                                                                     |   |        | 5,188     |   |         |   | 5,395 |   |
| Investment in Federal Home Loan Bank stock                                                                                                               |   |        | 11,524    |   |         |   | 11,572 |   |
|           Total Assets                                                                                      |   | $           | 3,498,927 |   |         | $      | 3,411,505 |   |
|                                                                                                                                                     |   |        |      |   |         |   |   |   |
| LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                                     |   |        |      |   |         |   |   |   |
| Liabilities:                                                                                                                                             |   |        |      |   |         |   |   |   |
| Deposits                                                                                                                                                 |   | $           | 2,675,706 |   |         | $      | 2,595,893 |   |
| Federal Home Loan Bank advances                                                                                                                          |   |        | 152,261   |   |         |   | 153,525 |   |
| Securities sold under reverse repurchase agreements with customers                                                                                       |   |        | 266,220   |   |         |   | 257,180 |   |
| Short-term borrowings                                                                                                                                    |   |        | 660       |   |         |   | 778 |   |
| Structured repurchase agreements                                                                                                                         |   |        | 53,129    |   |         |   | 53,142 |   |
| Subordinated debentures issued to capital trusts                                                                                                         |   |        | 30,929    |   |         |   | 30,929 |   |
| Accrued interest payable                                                                                                                                 |   |        | 3,558     |   |         |   | 3,765 |   |
| Advances from borrowers for taxes and insurance                                                                                                          |   |        | 1,196     |   |         |   | 1,019 |   |
| Accounts payable and accrued expenses                                                                                                                    |   |        | 9,395     |   |         |   | 10,395 |   |
| Current and deferred income taxes                                                                                                                        |   |        | 670       |   |         |   | 870 |   |
|           Total Liabilities                                                                                 |   |        | 3,193,724 |   |         |   | 3,107,496 |   |
| Stockholders' Equity:                                                                                                                                    |   |        |      |   |         |   |   |   |
| Capital stock                                                                                                                                            |   |        |      |   |         |   |   |   |
| Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued        and outstanding 58,000 shares |   |        | 56,601    |   |         |   | 56,480 |   |
| Common stock, $.01 par value; authorized 20,000,000 shares;issued and outstanding March 2011 - 13,454,489 shares;                                        |   |        |      |   |         |   |   |   |
| December 2010 - 13,454,000 shares                                                                                                                        |   |        | 134       |   |         |   | 134 |   |
| Stock warrants; 909,091 shares                                                                                                                           |   |        | 2,452     |   |         |   | 2,452 |   |
| Additional paid-in capital                                                                                                                               |   |        | 20,818    |   |         |   | 20,701 |   |
| Retained earnings                                                                                                                                        |   |        | 222,653   |   |         |   | 220,021 |   |
| Accumulated other comprehensive gain                                                                                                                     |   |        | 2,545     |   |         |   | 4,221 |   |
|           Total Stockholders' Equity                                                                        |   |        | 305,203   |   |         |   | 304,009 |   |
|           Total Liabilities and Stockholders' Equity                                                        |   | $           | 3,498,927 |   |         | $      | 3,411,505 |   |

|                                                                |   | THREE MONTHS ENDEDMARCH 31, |   |
|---------------------------------------------------------------------|--------|-----------------------------|--------|
|                                                                |   | 2011                        |   |   | 2010 |   |
| INTEREST INCOME                                                     |   | (Unaudited)                 |   |
| Loans                                                               |   | $                           | 42,084 |   |   | $ | 32,194 |   |
| Investment securities and other                                     |   |                        | 6,956  |   |   |   | 7,560 |   |
| TOTAL INTEREST INCOME                                               |   |                        | 49,040 |   |   |   | 39,754 |   |
| INTEREST EXPENSE                                                    |   |                        |   |   |   |   |   |   |
| Deposits                                                            |   |                        | 7,486  |   |   |   | 10,657 |   |
| Federal Home Loan Bank advances                                     |   |                        | 1,297  |   |   |   | 1,397 |   |
| Short-term borrowings and repurchase agreements                     |   |                        | 756    |   |   |   | 993 |   |
| Subordinated debentures issued to capital trusts                    |   |                        | 140    |   |   |   | 136 |   |
| TOTAL INTEREST EXPENSE                                              |   |                        | 9,679  |   |   |   | 13,183 |   |
| NET INTEREST INCOME                                                 |   |                        | 39,361 |   |   |   | 26,571 |   |
| PROVISION FOR LOAN LOSSES                                           |   |                        | 8,200  |   |   |   | 5,500 |   |
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES                 |   |                        | 31,161 |   |   |   | 21,071 |   |
|                                                                |   |                        |   |   |   |   |   |   |
| NON-INTEREST INCOME                                                 |   |                        |   |   |   |   |   |   |
| Commissions                                                         |   |                        | 2,437  |   |   |   | 2,066 |   |
| Service charges and ATM fees                                        |   |                        | 4,063  |   |   |   | 4,583 |   |
| Net realized gains on sales of loans                                |   |                        | 907    |   |   |   | 793 |   |
| Late charges and fees on loans                                      |   |                        | 122    |   |   |   | 204 |   |
| Accretion (amortization) of income related to business acquisitions |   |                        | (9,754 | ) |   |   | 900 |   |
| Other income                                                        |   |                        | 453    |   |   |   | 451 |   |
| TOTAL NON-INTEREST INCOME                                           |   |                        | (1,772 | ) |   |   | 8,997 |   |
|                                                                |   |                        |   |   |   |   |   |   |
| NON-INTEREST EXPENSE                                                |   |                        |   |   |   |   |   |   |
| Salaries and employee benefits                                      |   |                        | 11,573 |   |   |   | 11,036 |   |
| Net occupancy and equipment expense                                 |   |                        | 3,690  |   |   |   | 3,489 |   |
| Postage                                                             |   |                        | 755    |   |   |   | 832 |   |
| Insurance                                                           |   |                        | 1,446  |   |   |   | 1,133 |   |
| Advertising                                                         |   |                        | 275    |   |   |   | 218 |   |
| Office supplies and printing                                        |   |                        | 278    |   |   |   | 463 |   |
| Telephone                                                           |   |                        | 625    |   |   |   | 542 |   |
| Legal, audit and other professional fees                            |   |                        | 762    |   |   |   | 665 |   |
| Expense on foreclosed assets                                        |   |                        | 429    |   |   |   | 2,167 |   |
| Other operating expenses                                            |   |                        | 1,776  |   |   |   | 1,598 |   |
| TOTAL NON-INTEREST EXPENSE                                          |   |                        | 21,609 |   |   |   | 22,143 |   |
|                                                                |   |                        |   |   |   |   |   |   |
| INCOME BEFORE INCOME TAXES                                          |   |                        | 7,780  |   |   |   | 7,925 |   |
|                                                                |   |                        |   |   |   |   |   |   |
| PROVISION FOR INCOME TAXES                                          |   |                        | 1,887  |   |   |   | 2,387 |   |
|                                                                |   |                        |   |   |   |   |   |   |
| NET INCOME                                                          |   |                        | 5,893  |   |   |   | 5,538 |   |
| PREFERRED STOCK DIVIDENDS AND DISCOUNT ACCRETION                    |   |                        | 845    |   |   |   | 839 |   |
| NET INCOME AVAILABLE TO COMMON SHAREHOLDERS                         |   | $                           | 5,048  |   |   | $ | 4,699 |   |
| BASIC EARNINGS PER COMMON SHARE                                     |   | $                           | 0.38   |   |   | $ | 0.35 |   |
| DILUTED EARNINGS PER COMMON SHARE                                   |   | $                           | 0.36   |   |   | $ | 0.34 |   |
| DIVIDENDS DECLARED PER COMMON SHARE                                 |   | $                           | .18    |   |   | $ | .18 |   |

|                                                                 |   | THREE MONTHS ENDED MARCH 31, |     |
|----------------------------------------------------------------------|--------|------------------------------|----------|
|                                                                 |   | 2011                         |     |   | 2010 |   |
|                                                                 |   | (Unaudited)                  |     |
| CASH FLOWS FROM OPERATING ACTIVITIES                                 |   |                         |     |   |   |   |
| Net income                                                           |   | $                            | 5,893    |   |   | $ | 5,538 |   |
| Proceeds from sales of loans held for sale                           |   |                         | 52,100   |   |   |   | 33,441 |   |
| Originations of loans held for sale                                  |   |                         | (36,831  | ) |   |   | (30,154 | ) |
| Items not requiring (providing) cash:                                |   |                         |     |   |   |   |   |   |
| Depreciation                                                         |   |                         | 1,206    |   |   |   | 788 |   |
| Amortization                                                         |   |                         | 561      |   |   |   | 264 |   |
| Compensation expense for stock option grants                         |   |                         | 119      |   |   |   | 112 |   |
| Provision for loan losses                                            |   |                         | 8,200    |   |   |   | 5,500 |   |
| Net gains on loan sales                                              |   |                         | (907     | ) |   |   | (793 | ) |
| Net (gains) losses on sale of premises and equipment                 |   |                         | 168      |   |   |   | (5 | ) |
| Loss on sale of foreclosed assets                                    |   |                         | 266      |   |   |   | 858 |   |
| Amortization (accretion) of deferred income, premiums and discounts  |   |                         | 9,510    |   |   |   | (1,326 | ) |
| Deferred income taxes                                                |   |                         | (4,245   | ) |   |   | (285 | ) |
| Changes in:                                                          |   |                         |     |   |   |   |   |   |
| Interest receivable                                                  |   |                         | 961      |   |   |   | 1,100 |   |
| Prepaid expenses and other assets                                    |   |                         | 4,988    |   |   |   | (81 | ) |
| Accounts payable and accrued expenses                                |   |                         | (1,207   | ) |   |   | (249 | ) |
| Income taxes refundable/payable                                      |   |                         | 4,947    |   |   |   | (4,583 | ) |
| Net cash provided by operating activities                            |   |                         | 45,729   |   |   |   | 10,125 |   |
| CASH FLOWS FROM INVESTING ACTIVITIES                                 |   |                         |     |   |   |   |   |   |
| Net (increase) decrease in loans                                     |   |                         | (27,545  | ) |   |   | 19,687 |   |
| Purchase of loans                                                    |   |                         | --       |   |   |   | (11,242 | ) |
| Proceeds from sale of student loans                                  |   |                         | --       |   |   |   | 17,527 |   |
| Purchase of additional business units                                |   |                         | (2       | ) |   |   | -- |   |
| Purchase of premises and equipment                                   |   |                         | (3,537   | ) |   |   | (1,785 | ) |
| Proceeds from sale of premises and equipment                         |   |                         | 86       |   |   |   | 22 |   |
| Proceeds from sale of foreclosed assets                              |   |                         | 4,635    |   |   |   | 6,852 |   |
| Capitalized costs on foreclosed assets                               |   |                         | (164     | ) |   |   | (267 | ) |
| Proceeds from maturing held-to-maturity investment securities        |   |                         | 1,202    |   |   |   | -- |   |
| Proceeds from called investment securities                           |   |                         | 6,645    |   |   |   | 2,110 |   |
| Principal reductions on mortgage-backed securities                   |   |                         | 32,999   |   |   |   | 38,750 |   |
| Purchase of available-for-sale securities                            |   |                         | (112,823 | ) |   |   | (9,992 | ) |
| Redemption of Federal Home Loan Bank stock                           |   |                         | 48       |   |   |   | 142 |   |
| Net cash (used in) provided by investing activities                  |   |                         | (98,456  | ) |   |   | 61,804 |   |
| CASH FLOWS FROM FINANCING ACTIVITIES                                 |   |                         |     |   |   |   |   |   |
| Net increase in certificates of deposit                              |   |                         | 19,967   |   |   |   | 30,470 |   |
| Net increase in checking and savings deposits                        |   |                         | 60,188   |   |   |   | 51,656 |   |
| Repayments of Federal Home Loan Bank advances                        |   |                         | (1,059   | ) |   |   | (3,181 | ) |
| Net increase (decrease) in short-term borrowings and structured repo |   |                         | 8,922    |   |   |   | (26,456 | ) |
| Advances from borrowers for taxes and insurance                      |   |                         | 177      |   |   |   | (7 | ) |
| Dividends paid                                                       |   |                         | (3,146   | ) |   |   | (3,137 | ) |
| Stock options exercised                                              |   |                         | 4        |   |   |   | 301 |   |
| Net cash provided by financing activities                            |   |                         | 85,053   |   |   |   | 49,646 |   |
| INCREASE IN CASH AND CASH EQUIVALENTS                                |   |                         | 32,326   |   |   |   | 121,575 |   |
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD                       |   |                         | 429,971  |   |   |   | 444,576 |   |
| CASH AND CASH EQUIVALENTS, END OF PERIOD                             |   | $                            | 462,297  |   |   | $ | 566,151 |   |

|                                                                                                                                                                                               |   | Three Months EndedMarch 31, |       |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------|------------|
|                                                                                                                                                                                               |   | 2011                        |       |   | 2010 |   |
|                                                                                                                                                                                               |   | (In Thousands)              |       |
|                                                                                                                                                                                               |   |                        |       |   |   |   |
| Net unrealized loss on available-for-sale securities                                                                                                                                          |   | $                           | (2,712     | ) |   | $ | (602 | ) |
|                                                                                                                                                                                               |   |                        |       |   |   |   |   |   |
| Net unrealized gain (loss) on available-for-sale debt securities for which a        portion of an other-than-temporary impairment has been recognized |   |                        | 134        |   |   |   | (435 | ) |
|                                                                                                                                                                                               |   |                        |       |   |   |   |   |   |
| Other comprehensive loss, before tax effect                                                                                                                                                        |   |                        | (2,578     | ) |   |   |  (1,037 | ) |
|                                                                                                                                                                                               |   |                        |       |   |   |   |   |   |
| Tax benefit                                                                                                                                                                                        |   |                        |  (902 | ) |   |   |  (363 | ) |
|                                                                                                                                                                                               |   |                        |       |   |   |   |   |   |
| Change in unrealized loss on available-for-sale securities,net of income taxes                                                                                                                     |   | $                           | (1,676     | ) |   | $ | (674 | ) |
|                                                                                                                                                                                               |   |                        |       |   |   |   |   |   |

|                                                                                                                                                                                   |   | March 31,2011  |   |   | December 31, 2010 |   |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|--------|--------|-------------------|--------|--------|
|                                                                                                                                                                                   |   | (In Thousands) |   |
|                                                                                                                                                                                   |   |           |   |   |              |   |   |
| Net unrealized gain on available-for-sale securities                                                                                                                                   |   | $              | 4,567  |   |              | $      | 7,279  |   |   |
| Net unrealized loss on available-for-sale debt securities for which a portion        of an other-than-temporary impairment has been recognized in income |   |           | (651   | )      |              |   | (785   | ) |   |
|                                                                                                                                                                                   |   |           | 3,916  |   |              |   | 6,494  |   |   |
| Tax expense                                                                                                                                                                            |   |           | 1,371  |   |              |   | 2,273  |   |   |
|                                                                                                                                                                                   |   |           |   |   |              |   |   |   |   |
| Net-of-tax amount                                                                                                                                                                      |   | $              | 2,545  |   |              | $      | 4,221  |   |   |

|                                                                                               |   | Three Months Ended                   |   |
|----------------------------------------------------------------------------------------------------|--------|--------------------------------------|--------|
|                                                                                               |   | March 31,                            |   |
|                                                                                               |   | 2011                                 |   |   | 2010 |   |
|                                                                                               |   | (In Thousands, ExceptPer Share Data) |   |
|                                                                                               |   |                                 |   |   |   |   |
| Basic:                                                                                             |   |                                 |   |   |   |   |   |   |
|     Average shares outstanding                                                      |   |                                 | 13,454 |   |   |   | 13,418 |   |
|     Net income available to common shareholders                                     |   | $                                    | 5,048  |   |   | $ | 4,699 |   |
|     Per share amount                                                                |   | $                                    | 0.38   |   |   | $ | 0.35 |   |
|                                                                                               |   |                                 |   |   |   |   |   |   |
| Diluted:                                                                                           |   |                                 |   |   |   |   |   |   |
|     Average shares outstanding                                                      |   |                                 | 13,454 |   |   |   | 13,418 |   |
|     Net effect of dilutive stock options and warrants – based on the treasury |   |                                 |   |   |   |   |   |   |
| stock method using average market price                                                            |   |                                 | 569    |   |   |   | 599 |   |
|     Diluted shares                                                                  |   |                                 | 14,023 |   |   |   | 14,017 |   |
|     Net income available to common shareholders                                     |   | $                                    | 5,048  |   |   | $ | 4,699 |   |
|     Per share amount                                                                |   | $                                    | 0.36   |   |   | $ | 0.34 |   |
|                                                                                               |   |                                 |   |   |   |   |   |   |

|                                     |   | March 31, 2011 |    |
|------------------------------------------|--------|----------------|---------|
|                                     |   | AmortizedCost  |    |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   | TaxEquivalentYield |   |
|                                     |   | (In Thousands) |    |
| AVAILABLE-FOR-SALE SECURITIES:           |   |           |    |
| U.S. government agencies                 |   | $              | 23,943  |   |   | $ | — |   |   | $ | 74 |   |   | $ | 23,869 |   | 2.56 | % |
| Collateralized mortgage obligations      |   |           | 6,462   |   |   |   | 157 |   |   |   | 809 |   |   |   | 5,810 |   | 6.85 |   |
| Mortgage-backed securities               |   |           | 648,201 |   |   |   | 9,380 |   |   |   | 3,352 |   |   |   | 654,229 |   | 3.21 |   |
| Small Business Administration loan pools |   |           | 59,557  |   |   |   | 729 |   |   |   | — |   |   |   | 60,286 |   | 2.02 |   |
| Corporate bonds                          |   |           | 49      |   |   |   | 120 |   |   |   | — |   |   |   | 169 |   | 41.87 |   |
| States and political subdivisions        |   |           | 94,820  |   |   |   | 451 |   |   |   | 3,846 |   |   |   | 91,425 |   | 6.18 |   |
| Equity securities                        |   |           | 1,230   |   |   |   | 1,160 |   |   |   | — |   |   |   | 2,390 |   | 0.17 |   |
| Total available-for-sale securities      |   | $              | 834,262 |   |   | $ | 11,997 |   |   | $ | 8,081 |   |   | $ | 838,178 |   | 3.47 | % |
|                                     |   |           |    |
| HELD-TO-MATURITY SECURITIES:             |   |           |    |
| States and political subdivisions        |   | $              | 1,125   |   |   | $ | 145 |   |   | $ | — |   |   | $ | 1,270 |   | 7.31 | % |

|                                     |   | December 31, 2010 |    |
|------------------------------------------|--------|-------------------|---------|
|                                     |   | AmortizedCost     |    |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   |   | TaxEquivalentYield |   |
|                                     |   | (In Thousands)    |    |
| AVAILABLE-FOR-SALE SECURITIES:           |   |              |    |
| U.S. government agencies                 |   | $                 | 4,000   |   |   | $ | — |   |   | $ | 20 |   |   | $ | 3,980 |   |   |   | 2.35 | % |
| Collateralized mortgage obligations      |   |              | 8,311   |   |   |   | 183 |   |   |   | 814 |   |   |   | 7,680 |   |   |   | 6.48 |   |
| Mortgage-backed securities               |   |              | 590,085 |   |   |   | 10,879 |   |   |   | 1,753 |   |   |   | 599,211 |   |   |   | 3.30 |   |
| Small Business Administration loan pools |   |              | 60,063  |   |   |   | 851 |   |   |   | — |   |   |   | 60,914 |   |   |   | 1.93 |   |
| States and political subdivisions        |   |              | 99,314  |   |   |   | 378 |   |   |   | 4,075 |   |   |   | 95,617 |   |   |   | 6.16 |   |
| Corporate bonds                          |   |              | 49      |   |   |   | — |   |   |   | 28 |   |   |   | 21 |   |   |   | 74.97 |   |
| Equity securities                        |   |              | 1,230   |   |   |   | 893 |   |   |   | — |   |   |   | 2,123 |   |   |   | 0.18 |   |
| Total available-for-sale securities      |   | $                 | 763,052 |   |   | $ | 13,184 |   |   | $ | 6,690 |   |   | $ | 769,546 |   |   |   | 3.59 | % |
|                                     |   |              |    |
| HELD-TO-MATURITY SECURITIES:             |   |              |    |
| States and political subdivisions        |   | $                 | 1,125   |   |   | $ | 175 |   |   | $ | — |   |   | $ | 1,300 |   |   |   | 7.31 | % |

|                                         |   | Amortized      |    |   | Fair   |   |
|----------------------------------------------|--------|----------------|---------|--------|--------|--------|
|                                         |   | Cost           |    |   | Value  |   |
|                                         |   | (In Thousands) |    |
|                                         |   |           |    |   |   |   |
| After one through five years                 |   | $              | 6,214   |   |   | $      | 6,221 |   |
| After five through ten years                 |   |           | 9,415   |   |   |   | 9,481 |   |
| After ten years                              |   |           | 162,740 |   |   |   | 160,047 |   |
| Securities not due on a single maturity date |   |           | 654,663 |   |   |   | 660,039 |   |
| Equity securities                            |   |           | 1,230   |   |   |   | 2,390 |   |
|                                         |   |           |    |   |   |   |   |   |
|                                         |   | $              | 834,262 |   |   | $      | 838,178 |   |

|                         |   | Amortized      |   |   | Fair   |   |
|------------------------------|--------|----------------|--------|--------|--------|--------|
|                         |   | Cost           |   |   | Value  |   |
|                         |   | (In Thousands) |   |
|                         |   |           |   |   |   |   |
| After five through ten years |   | $              | 1,125  |   |   | $      | 1,270 |   |
|                         |   |           |   |   |   |   |   |   |
|                         |   | $              | 1,125  |   |   | $      | 1,270 |   |

|                                                   |   | March 31, 2011      |    |
|--------------------------------------------------------|--------|---------------------|---------|
|                                                   |   | Less than 12 Months |    |   | 12 Months or More |   |   | Total |   |
| Description of Securities                              |   | Fair Value          |    |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
|                                                   |   | (In Thousands)      |    |
|                                                   |   |                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                               |   | $                   | 23,869  |   |   | $ | 74 |   |   | $ | — |   |   | $ | — |   |   | $ | 23,869 |   |   | $ | 74 |   |
| Mortgage-backed securities                             |   |                | 331,536 |   |   |   | 3,352 |   |   |   | — |   |   |   | — |   |   |   | 331,536 |   |   |   | 3,352 |   |
| Collateralized mortgage     obligations |   |                | — |   |   |   | — |   |   |   | 1,518 |   |   |   | 809 |   |   |   | 1,518 |   |   |   | 809 |   |
| State and political subdivisions                       |   |                | 52,773  |   |   |   | 2,085 |   |   |   | 5,315 |   |   |   | 1,761 |   |   |   | 58,088 |   |   |   | 3,846 |   |
|                                                   |   |                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                   |   | $                   | 408,178 |   |   | $ | 5,511 |   |   | $ | 6,833 |   |   | $ | 2,570 |   |   | $ | 415,011 |   |   | $ | 8,081 |   |

|                                              |   | December 31, 2010   |    |
|--------------------------------------------------------|--------|---------------------|---------|
|                                                   |   | Less than 12 Months |    |   | 12 Months or More |   |   | Total |   |
| Description of Securities                              |   | Fair Value          |    |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
|                                                   |   | (In Thousands)      |    |
|                                                   |   |                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                               |   | $                   | 3,980   |   |   | $ | 20 |   |   | $ | — |   |   | $ | — |   |   | $ | 3,980 |   |   | $ | 20 |   |
| Mortgage-backed securities                             |   |                | 231,524 |   |   |   | 1,753 |   |   |   | — |   |   |   | — |   |   |   | 231,524 |   |   |   | 1,753 |   |
| Collateralized mortgage     obligations |   |                | — |   |   |   | — |   |   |   | 1,809 |   |   |   | 814 |   |   |   | 1,809 |   |   |   | 814 |   |
| State and political subdivisions                       |   |                | 56,221  |   |   |   | 2,328 |   |   |   | 5,257 |   |   |   | 1,747 |   |   |   | 61,478 |   |   |   | 4,075 |   |
| Corporate bonds                                        |   |                | 8       |   |   |   | 24 |   |   |   | 14 |   |   |   | 4 |   |   |   | 22 |   |   |   | 28 |   |
|                                                   |   |                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                   |   | $                   | 291,733 |   |   | $ | 4,125 |   |   | $ | 7,080 |   |   | $ | 2,565 |   |   | $ | 298,813 |   |   | $ | 6,690 |   |

|                                                                       |   | Accumulated    |    |
|----------------------------------------------------------------------------|--------|----------------|---------|
|                                                                       |   | Credit Losses  |    |
|                                                                       |   | (In Thousands) |    |
| Credit losses on debt securities held                                      |   |           |    |
| January 1, 2010                                                            |   | $              | 2,983   |   |
| Additions related to other-than-temporary losses not previously recognized |   |           | — |   |
| Reductions due to sales                                                    |   |           | — |   |
|                                                                       |   |           |    |   |
| March 31, 2010                                                             |   | $              | 2,983   |   |

|                                                                       |   | Accumulated    |    |
|----------------------------------------------------------------------------|--------|----------------|---------|
|                                                                       |   | Credit Losses  |    |
|                                                                       |   | (In Thousands) |    |
| Credit losses on debt securities held                                      |   |           |    |
| January 1, 2011                                                            |   | $              | 2,983   |   |
| Additions related to other-than-temporary losses not previously recognized |   |           | — |   |
| Reductions due to sales                                                    |   |           | — |   |
|                                                                       |   |           |    |   |
| March 31, 2011                                                             |   | $              | 2,983   |   |

|                                                 |   | March 31,2011  |      |   | December 31,2010 |   |
|------------------------------------------------------|--------|----------------|-----------|--------|------------------|--------|
|                                                 |   | (In Thousands) |      |
| One- to four-family residential construction         |   | $              | 33,315    |   |             | $      | 29,102 |   |
| Subdivision construction                             |   |           | 80,510    |   |             |   | 86,649 |   |
| Land development                                     |   |           | 85,939    |   |             |   | 95,573 |   |
| Commercial construction                              |   |           | 78,559    |   |             |   | 68,018 |   |
| Owner occupied one- to four-family residential       |   |           | 99,312    |   |             |   | 98,099 |   |
| Non-owner occupied one- to four-family residential   |   |           | 137,301   |   |             |   | 136,984 |   |
| Commercial real estate                               |   |           | 547,463   |   |             |   | 530,277 |   |
| Other residential                                    |   |           | 230,483   |   |             |   | 210,846 |   |
| Commercial business                                  |   |           | 175,273   |   |             |   | 185,865 |   |
| Industrial revenue bonds                             |   |           | 63,851    |   |             |   | 64,641 |   |
| Consumer auto                                        |   |           | 52,812    |   |             |   | 48,992 |   |
| Consumer other                                       |   |           | 75,314    |   |             |   | 77,331 |   |
| Home equity lines of credit                          |   |           | 46,154    |   |             |   | 46,852 |   |
| FDIC-supported loans, net of discounts (TeamBank)    |   |           | 142,510   |   |             |   | 144,633 |   |
| FDIC-supported loans, net of discounts (Vantus Bank) |   |           | 154,077   |   |             |   | 160,163 |   |
|                                                 |   |           | 2,002,873 |   |             |   | 1,984,025 |   |
| Undisbursed portion of loans in process              |   |           | (69,994   | )      |             |   | (63,108 | ) |
| Allowance for loan losses                            |   |           | (41,834   | )      |             |   | (41,487 | ) |
| Deferred loan fees and gains, net                    |   |           | (2,552    | )      |             |   | (2,543 | ) |
|                                                 |   | $              | 1,888,493 |   |             | $      | 1,876,887 |   |
| Weighted average interest rate                       |   |           | 5.99      | %      |             |   | 6.03 | % |

|                                                               |   | March 31, 2011     |    |
|-------------------------------------------------------------------------|--------|--------------------|---------|
|                                                                    |   | 30-59 DaysPast Due |    |   | 60-89 DaysPast Due |   |   | Over 90Days |   |   | Total PastDue |   |   | Current |   |   | Total LoansReceivable |   |   | Total Loans> 90 Daysand StillAccruing |   |
|                                                                    |   | (In Thousands)     |    |
| One- to four-family     residential construction         |   | $                  | — |   |   | $ | — |   |   | $ | 637 |   |   | $ | 637 |   |   | $ | 32,678 |   |   | $ | 33,315 |   |   | $ | — |   |
| Subdivision construction                                                |   |               | 1,875   |   |   |   | 238 |   |   |   | 3,939 |   |   |   | 6,052 |   |   |   | 74,458 |   |   |   | 80,510 |   |   |   | — |   |
| Land development                                                        |   |               | — |   |   |   | — |   |   |   | 1,807 |   |   |   | 1,807 |   |   |   | 84,132 |   |   |   | 85,939 |   |   |   | — |   |
| Commercial construction                                                 |   |               | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 78,559 |   |   |   | 78,559 |   |   |   | — |   |
| Owner occupied one- to four-    family residential       |   |               | 3,374   |   |   |   | 74 |   |   |   | 3,027 |   |   |   | 6,475 |   |   |   | 92,837 |   |   |   | 99,312 |   |   |   | 108 |   |
| Non-owner occupied one- to     four-family residential   |   |               | 1,445   |   |   |   | 397 |   |   |   | 3,245 |   |   |   | 5,087 |   |   |   | 132,214 |   |   |   | 137,301 |   |   |   | — |   |
| Commercial real estate                                                  |   |               | 212     |   |   |   | 30 |   |   |   | 16,225 |   |   |   | 16,467 |   |   |   | 530,996 |   |   |   | 547,463 |   |   |   | — |   |
| Other residential                                                       |   |               | — |   |   |   | — |   |   |   | 3,135 |   |   |   | 3,135 |   |   |   | 227,348 |   |   |   | 230,483 |   |   |   | — |   |
| Commercial business                                                     |   |               | 116     |   |   |   | 296 |   |   |   | 1,261 |   |   |   | 1,673 |   |   |   | 173,600 |   |   |   | 175,273 |   |   |   | — |   |
| Industrial revenue bonds                                                |   |               | — |   |   |   | — |   |   |   | 2,190 |   |   |   | 2,190 |   |   |   | 61,661 |   |   |   | 63,851 |   |   |   | — |   |
| Consumer auto                                                           |   |               | 291     |   |   |   | 19 |   |   |   | 82 |   |   |   | 392 |   |   |   | 52,420 |   |   |   | 52,812 |   |   |   | 6 |   |
| Consumer other                                                          |   |               | 1,041   |   |   |   | 333 |   |   |   | 944 |   |   |   | 2,318 |   |   |   | 72,996 |   |   |   | 75,314 |   |   |   | 302 |   |
| Home equity lines of credit                                             |   |               | 26      |   |   |   | 139 |   |   |   | 355 |   |   |   | 520 |   |   |   | 45,634 |   |   |   | 46,154 |   |   |   | — |   |
| FDIC-supported loans, net of     discounts (TeamBank)    |   |               | 5,436   |   |   |   | 34 |   |   |   | 27,252 |   |   |   | 32,722 |   |   |   | 109,788 |   |   |   | 142,510 |   |   |   | — |   |
| FDIC-supported loans, net of     discounts (Vantus Bank) |   |               | 4,140   |   |   |   | 907 |   |   |   | 7,752 |   |   |   | 12,799 |   |   |   | 141,278 |   |   |   | 154,077 |   |   |   | 7 |   |
|                                                                    |   |               | 17,956  |   |   |   | 2,467 |   |   |   | 71,851 |   |   |   | 92,274 |   |   |   | 1,910,599 |   |   |   | 2,002,873 |   |   | $ | 423 |   |
| Less FDIC-supported loans,     net of discounts          |   |               | 9,576   |   |   |   | 941 |   |   |   | 35,004 |   |   |   | 45,521 |   |   |   | 251,066 |   |   |   | 296,587 |   |   |   |   |   |
|                                                                    |   |               |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                                                                   |   | $                  | 8,380   |   |   | $ | 1,526 |   |   | $ | 36,847 |   |   | $ | 46,753 |   |   | $ | 1,659,533 |   |   | $ | 1,706,286 |   |   |   |   |   |

|                                                               |   | December 31, 2010  |    |
|-------------------------------------------------------------------------|--------|--------------------|---------|
|                                                                    |   | 30-59 DaysPast Due |    |   | 60-89 DaysPast Due |   |   | Over 90Days |   |   | Total PastDue |   |   | Current |   |   | Total LoansReceivable |   |   | Total Loans> 90 Daysand StillAccruing |   |
|                                                                    |   | (In Thousands)     |    |
| One- to four-family     residential construction         |   | $                  | 261     |   |   | $ | — |   |   | $ | 578 |   |   | $ | 839 |   |   | $ | 28,263 |   |   | $ | 29,102 |   |   | $ | — |   |
| Subdivision construction                                                |   |               | 281     |   |   |   | 1,015 |   |   |   | 1,860 |   |   |   | 3,156 |   |   |   | 83,493 |   |   |   | 86,649 |   |   |   | — |   |
| Land development                                                        |   |               | 2,730   |   |   |   | — |   |   |   | 5,668 |   |   |   | 8,398 |   |   |   | 87,175 |   |   |   | 95,573 |   |   |   | — |   |
| Commercial construction                                                 |   |               | — |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 68,018 |   |   |   | 68,018 |   |   |   | — |   |
| Owner occupied one- to four-    family residential       |   |               | 4,856   |   |   |   | 914 |   |   |   | 2,724 |   |   |   | 8,494 |   |   |   | 89,605 |   |   |   | 98,099 |   |   |   |   |   |
| Non-owner occupied one- to     four-family residential   |   |               | 2,085   |   |   |   | 2,130 |   |   |   | 2,831 |   |   |   | 7,046 |   |   |   | 129,938 |   |   |   | 136,984 |   |   |   | — |   |
| Commercial real estate                                                  |   |               | 2,749   |   |   |   | 8,546 |   |   |   | 6,074 |   |   |   | 17,369 |   |   |   | 512,908 |   |   |   | 530,277 |   |   |   | — |   |
| Other residential                                                       |   |               | — |   |   |   | 4,011 |   |   |   | 4,202 |   |   |   | 8,213 |   |   |   | 202,633 |   |   |   | 210,846 |   |   |   | — |   |
| Commercial business                                                     |   |               | 350     |   |   |   | 355 |   |   |   | 1,642 |   |   |   | 2,347 |   |   |   | 183,518 |   |   |   | 185,865 |   |   |   | — |   |
| Industrial revenue bonds                                                |   |               | — |   |   |   | — |   |   |   | 2,190 |   |   |   | 2,190 |   |   |   | 62,451 |   |   |   | 64,641 |   |   |   | — |   |
| Consumer auto                                                           |   |               | 427     |   |   |   | 35 |   |   |   | 94 |   |   |   | 556 |   |   |   | 48,436 |   |   |   | 48,992 |   |   |   | 22 |   |
| Consumer other                                                          |   |               | 1,331   |   |   |   | 318 |   |   |   | 1,417 |   |   |   | 3,066 |   |   |   | 74,265 |   |   |   | 77,331 |   |   |   | 565 |   |
| Home equity lines of credit                                             |   |               | 152     |   |   |   | 160 |   |   |   | 140 |   |   |   | 452 |   |   |   | 46,400 |   |   |   | 46,852 |   |   |   | — |   |
| FDIC-supported loans, net of     discounts (TeamBank)    |   |               | 2,719   |   |   |   | 3,731 |   |   |   | 13,285 |   |   |   | 19,735 |   |   |   | 124,898 |   |   |   | 144,633 |   |   |   | — |   |
| FDIC-supported loans, net of     discounts (Vantus Bank) |   |               | 2,277   |   |   |   | 1,414 |   |   |   | 9,399 |   |   |   | 13,090 |   |   |   | 147,073 |   |   |   | 160,163 |   |   |   | — |   |
|                                                                    |   |               | 20,218  |   |   |   | 22,629 |   |   |   | 52,104 |   |   |   | 94,951 |   |   |   | 1,889,074 |   |   |   | 1,984,025 |   |   | $ | 587 |   |
| Less FDIC-supported loans,     net of discounts          |   |               | 4,996   |   |   |   | 5,145 |   |   |   | 22,684 |   |   |   | 32,825 |   |   |   | 271,971 |   |   |   | 304,796 |   |   |   |   |   |
|                                                                    |   |               |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                                                                   |   | $                  | 15,222  |   |   | $ | 17,484 |   |   | $ | 29,420 |   |   | $ | 62,126 |   |   | $ | 1,617,103 |   |   | $ | 1,679,229 |   |   |   |   |   |

|                                               |   | March 31,      |    |   | December 31, |   |
|----------------------------------------------------|--------|----------------|---------|--------|--------------|--------|
|                                               |   | 2011           |    |   | 2010         |   |
|                                               |   | (In Thousands) |    |
|                                               |   |           |    |   |         |   |
| One- to four-family residential construction       |   | $              | 637     |   |         | $      | 578 |   |
| Subdivision construction                           |   |           | 3,939   |   |         |   | 1,860 |   |
| Land development                                   |   |           | 1,807   |   |         |   | 5,668 |   |
| Commercial construction                            |   |           | — |   |         |   | — |   |
| Owner occupied one- to four-family residential     |   |           | 2,919   |   |         |   | 2,724 |   |
| Non-owner occupied one- to four-family residential |   |           | 3,245   |   |         |   | 2,831 |   |
| Commercial real estate                             |   |           | 16,225  |   |         |   | 6,074 |   |
| Other residential                                  |   |           | 3,135   |   |         |   | 4,202 |   |
| Commercial business                                |   |           | 1,261   |   |         |   | 1,642 |   |
| Industrial revenue bonds                           |   |           | 2,190   |   |         |   | 2,190 |   |
| Consumer auto                                      |   |           | 76      |   |         |   | 72 |   |
| Consumer other                                     |   |           | 642     |   |         |   | 852 |   |
| Home equity lines of credit                        |   |           | 355     |   |         |   | 140 |   |
|                                               |   |           |    |   |         |   |   |   |
|     Total                      |   | $              | 36,431  |   |         | $      | 28,833 |   |

|                                                                               |   | One- to Four-FamilyResidential andConstruction |    |   | OtherResidential andConstruction |   |    | CommercialReal Estate |   |   | CommercialConstruction |   |   | CommercialBusiness |    |   | Consumer |   |    | Total  |   |
|-----------------------------------------------------------------------------------------|--------|------------------------------------------------|---------|--------|----------------------------------|--------|---------|-----------------------|--------|--------|------------------------|--------|--------|--------------------|---------|--------|----------|--------|---------|--------|--------|
|                                                                                    |   | (In Thousands)                                 |    |
| Allowance for loan losses                                                               |   |                                           |    |   |                             |   |    |                  |   |   |                   |   |   |               |    |   |     |   |    |   |   |
| Balance January 1, 2011                                                                 |   | $                                              | 11,483  |   |                             | $      | 3,866   |                  |   | $      | 14,336                 |   |   | $                  | 5,852   |   |     | $      | 3,281   |   |   | $ | 2,669 |   |   | $ | 41,487 |   |
|   Provision charged to expense                                                     |   |                                           | 3,238   |   |                             |   | 893     |                  |   |   | 3,212                  |   |   |               | 797     |   |     |   | (30     | )      |   |   | 90 |   |   |   | 8,200 |   |
|   Losses charged off                                                               |   |                                           | (3,201  | )      |                             |   | (962    | )                     |   |   | (1,743                 | )      |   |               | (1,418  | )      |     |   | (792    | )      |   |   | (890 | ) |   |   | (9,006 | ) |
|   Recoveries                                                                       |   |                                           | 26      |   |                             |   | 1       |                  |   |   | 2                      |   |   |               | 4       |   |     |   | 551     |   |   |   | 569 |   |   |   | 1,153 |   |
| Balance March 31, 2011                                                                  |   | $                                              | 11,546  |   |                             | $      | 3,798   |                  |   | $      | 15,807                 |   |   | $                  | 5,235   |   |     | $      | 3,010   |   |   | $ | 2,438 |   |   | $ | 41,834 |   |
|                                                                                    |   |                                           |    |   |                             |   |    |                  |   |   |                   |   |   |               |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Ending balance:                                                                         |   |                                           |    |   |                             |   |    |                  |   |   |                   |   |   |               |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Individually evaluated for     impairment                                |   | $                                              | 3,171   |   |                             | $      | 1,128   |                  |   | $      | 3,590                  |   |   | $                  | 1,447   |   |     | $      | 532     |   |   | $ | 54 |   |   | $ | 9,922 |   |
| Collectively evaluated for     impairment                                |   | $                                              | 8,375   |   |                             | $      | 2,670   |                  |   | $      | 12,217                 |   |   | $                  | 3,758   |   |     | $      | 1,678   |   |   | $ | 2,384 |   |   | $ | 31,082 |   |
| Loans acquired and     accounted for under ASC     310-30 |   | $                                              | — |   |                             | $      | — |                  |   | $      | —                |   |   | $                  | 30      |   |     | $      | 800     |   |   | $ | — |   |   | $ | 830 |   |
|                                                                                    |   |                                           |    |   |                             |   |    |                  |   |   |                   |   |   |               |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Loans                                                                                   |   |                                           |    |   |                             |   |    |                  |   |   |                   |   |   |               |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Individually evaluated for     impairment                                |   | $                                              | 43,522  |   |                             | $      | 27,475  |                  |   | $      | 75,111                 |   |   | $                  | 37,629  |   |     | $      | 9,728   |   |   | $ | 870 |   |   | $ | 194,335 |   |
| Collectively evaluated for     impairment                                |   | $                                              | 306,916 |   |                             | $      | 203,008 |                  |   | $      | 536,203                |   |   | $                  | 126,870 |   |     | $      | 165,545 |   |   | $ | 173,409 |   |   | $ | 1,511,951 |   |
| Loans acquired and     accounted for under ASC     310-30 |   | $                                              | 70,958  |   |                             | $      | 23,849  |                  |   | $      | 124,179                |   |   | $                  | 26,760  |   |     | $      | 14,298  |   |   | $ | 36,543 |   |   | $ | 296,587 |   |

|                                                                               |   | One- to FourFamilyResidential andConstruction |    |   | OtherResidential andConstruction |   |    | CommercialReal Estate |   |   | CommercialConstruction |   |   | OtherCommercial |    |   | Consumer |   |    | Total  |   |
|-----------------------------------------------------------------------------------------|--------|-----------------------------------------------|---------|--------|----------------------------------|--------|---------|-----------------------|--------|--------|------------------------|--------|--------|-----------------|---------|--------|----------|--------|---------|--------|--------|
|                                                                                    |   | (In Thousands)                                |    |
| Allowance for loan losses                                                               |   |                                          |    |   |                             |   |    |                  |   |   |                   |   |   |            |    |   |     |   |    |   |   |
| Individually evaluated for     impairment                                |   | $                                             | 4,353   |   |                             | $      | 1,714   |                  |   | $      | 3,089                  |   |   | $               | 2,083   |   |     | $      | 784     |   |   | $ | 37 |   |   | $ | 12,060 |   |
| Collectively evaluated for     impairment                                |   | $                                             | 7,100   |   |                             | $      | 2,152   |                  |   | $      | 11,247                 |   |   | $               | 3,769   |   |     | $      | 1,697   |   |   | $ | 2,632 |   |   | $ | 28,597 |   |
| Loans acquired and     accounted for under ASC     310-30 |   | $                                             | — |   |                             | $      | — |                  |   | $      | —                |   |   | $               | 30      |   |     | $      | 800     |   |   | $ | — |   |   | $ | 830 |   |
|                                                                                    |   |                                          |    |   |                             |   |    |                  |   |   |                   |   |   |            |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Loans                                                                                   |   |                                          |    |   |                             |   |    |                  |   |   |                   |   |   |            |    |   |     |   |    |   |   |   |   |   |   |   |   |   |
| Individually evaluated for     impairment                                |   | $                                             | 40,562  |   |                             | $      | 25,246  |                  |   | $      | 72,379                 |   |   | $               | 45,334  |   |     | $      | 8,340   |   |   | $ | 622 |   |   | $ | 192,483 |   |
| Collectively evaluated for     impairment                                |   | $                                             | 310,272 |   |                             | $      | 185,600 |                  |   | $      | 522,539                |   |   | $               | 118,257 |   |     | $      | 177,525 |   |   | $ | 172,553 |   |   | $ | 1,486,746 |   |
| Loans acquired and     accounted for under ASC     310-30 |   | $                                             | 75,727  |   |                             | $      | 23,277  |                  |   | $      | 128,704                |   |   | $               | 22,858  |   |     | $      | 15,215  |   |   | $ | 39,015 |   |   | $ | 304,796 |   |

|                                                             |   | March 31, 2011  |    |
|-----------------------------------------------------------------------|--------|-----------------|---------|
|                                                                  |   | RecordedBalance |    |   | UnpaidPrincipalBalance |   |   | SpecificAllowance |   |   | AverageInvestmentin ImpairedLoans |   |   | InterestIncomeRecognized |   |
|                                                                  |   | (In Thousands)  |    |
|                                                                  |   |            |    |
| One- to four-family residential construction                          |   | $               | 1,840   |   |   | $ | 2,268 |   |   | $ | 122 |   |   | $ | 1,759 |   |   | $ | 9 |   |
| Subdivision construction                                              |   |            | 8,365   |   |   |   | 9,327 |   |   |   | 1,403 |   |   |   | 9,504 |   |   |   | 61 |   |
| Land development                                                      |   |            | 12,928  |   |   |   | 13,644 |   |   |   | 1,447 |   |   |   | 14,436 |   |   |   | 163 |   |
| Commercial construction                                               |   |            | — |   |   |   | — |   |   |   | — |   |   |   | 1,234 |   |   |   | — |   |
| Owner occupied one- to four-family     residential     |   |            | 5,352   |   |   |   | 5,789 |   |   |   | 855 |   |   |   | 5,298 |   |   |   | 24 |   |
| Non-owner occupied one- to four-family     residential |   |            | 9,291   |   |   |   | 10,208 |   |   |   | 742 |   |   |   | 10,442 |   |   |   | 103 |   |
| Commercial real estate                                                |   |            | 28,682  |   |   |   | 30,890 |   |   |   | 3,480 |   |   |   | 28,663 |   |   |   | 256 |   |
| Other residential                                                     |   |            | 9,901   |   |   |   | 10,784 |   |   |   | 1,128 |   |   |   | 12,364 |   |   |   | 98 |   |
| Commercial business                                                   |   |            | 4,691   |   |   |   | 5,570 |   |   |   | 532 |   |   |   | 7,030 |   |   |   | 49 |   |
| Industrial revenue bonds                                              |   |            | 2,190   |   |   |   | 2,190 |   |   |   | 110 |   |   |   | 2,190 |   |   |   | — |   |
| Consumer auto                                                         |   |            | 124     |   |   |   | 141 |   |   |   | 5 |   |   |   | 414 |   |   |   | 3 |   |
| Consumer other                                                        |   |            | 809     |   |   |   | 918 |   |   |   | 33 |   |   |   | 583 |   |   |   | 4 |   |
| Home equity lines of credit                                           |   |            | 400     |   |   |   | 415 |   |   |   | 65 |   |   |   | 351 |   |   |   | 1 |   |
|                                                                  |   |            |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                                         |   | $               | 84,573  |   |   | $ | 92,144 |   |   | $ | 9,922 |   |   | $ | 94,268 |   |   | $ | 771 |   |

|                                                             |   | December 31, 2010 |   |
|-----------------------------------------------------------------------|--------|-------------------|--------|
|                                                                  |   | RecordedBalance   |   |   | UnpaidPrincipalBalance |   |   | SpecificAllowance |   |   | AverageInvestmentin ImpairedLoans |   |   | InterestIncomeRecognized |   |
|                                                                  |   | (In Thousands)    |   |
|                                                                  |   |              |   |
| One- to four-family residential     construction       |   | $                 | 1,947  |   |   | $ | 2,371 |   |   | $ | 258 |   |   | $ | 1,724 |   |   | $ | 83 |   |
| Subdivision construction                                              |   |              | 9,894  |   |   |   | 10,560 |   |   |   | 2,326 |   |   |   | 7,850 |   |   |   | 415 |   |
| Land development                                                      |   |              | 17,957 |   |   |   | 21,006 |   |   |   | 1,925 |   |   |   | 18,760 |   |   |   | 534 |   |
| Commercial construction                                               |   |              | 1,851  |   |   |   | 1,851 |   |   |   | 158 |   |   |   | 458 |   |   |   | 31 |   |
| Owner occupied one- to four-family     residential     |   |              | 5,205  |   |   |   | 5,620 |   |   |   | 542 |   |   |   | 3,612 |   |   |   | 69 |   |
| Non-owner occupied one- to four-family     residential |   |              | 11,785 |   |   |   | 12,267 |   |   |   | 1,227 |   |   |   | 8,182 |   |   |   | 386 |   |
| Commercial real estate                                                |   |              | 25,782 |   |   |   | 26,392 |   |   |   | 3,045 |   |   |   | 10,615 |   |   |   | 603 |   |
| Other residential                                                     |   |              | 9,768  |   |   |   | 9,869 |   |   |   | 1,714 |   |   |   | 8,123 |   |   |   | 140 |   |
| Commercial business                                                   |   |              | 9,722  |   |   |   | 12,495 |   |   |   | 828 |   |   |   | 2,630 |   |   |   | 114 |   |
| Consumer auto                                                         |   |              | 125    |   |   |   | 137 |   |   |   | 4 |   |   |   | 30 |   |   |   | 1 |   |
| Consumer other                                                        |   |              | 429    |   |   |   | 481 |   |   |   | 14 |   |   |   | 93 |   |   |   | 4 |   |
| Home equity lines of credit                                           |   |              | 148    |   |   |   | 166 |   |   |   | 19 |   |   |   | 109 |   |   |   | 1 |   |
|                                                                  |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                                         |   | $                 | 94,613 |   |   | $ | 103,215 |   |   | $ | 12,060 |   |   | $ | 62,186 |   |   | $ | 2,381 |   |

|                                                                    |                 | March 31, 2011  |      |
|-------------------------------------------------------------------------|----------------------|----------------------|-----------|
|                                                                    |                 | Satisfactory    |      |   | Watch  |   |   | SpecialMention |   |   | Substandard  |   |   | Total  |   |
|                                                                    | (In Thousands)  |                 |
| One- to four-family residential     construction         |                 | $                    | 30,520    |   |   | $ | 1,887 |   |   | $ | — |   |   | $ | 908 |   |   | $ | 33,315 |   |
| Subdivision construction                                                |                 |                 | 62,324    |   |   |   | 11,380 |   |   |   | — |   |   |   | 6,806 |   |   |   | 80,510 |   |
| Land development                                                        |                 |                 | 52,982    |   |   |   | 20,734 |   |   |   | — |   |   |   | 12,223 |   |   |   | 85,939 |   |
| Commercial construction                                                 |                 |                 | 73,887    |   |   |   | 4,672 |   |   |   | — |   |   |   | — |   |   |   | 78,559 |   |
| Owner occupied one- to four-family     residential       |                 |                 | 93,645    |   |   |   | 529 |   |   |   | — |   |   |   | 5,138 |   |   |   | 99,312 |   |
| Non-owner occupied one- to four-family     residential   |                 |                 | 120,428   |   |   |   | 8,804 |   |   |   | — |   |   |   | 8,069 |   |   |   | 137,301 |   |
| Commercial real estate                                                  |                 |                 | 474,541   |   |   |   | 45,581 |   |   |   | 2,590 |   |   |   | 24,751 |   |   |   | 547,463 |   |
| Other residential                                                       |                 |                 | 203,008   |   |   |   | 18,774 |   |   |   | — |   |   |   | 8,701 |   |   |   | 230,483 |   |
| Commercial business                                                     |                 |                 | 165,545   |   |   |   | 5,117 |   |   |   | — |   |   |   | 4,611 |   |   |   | 175,273 |   |
| Industrial revenue bonds                                                |                 |                 | 61,661    |   |   |   | — |   |   |   | — |   |   |   | 2,190 |   |   |   | 63,851 |   |
| Consumer auto                                                           |                 |                 | 52,706    |   |   |   | — |   |   |   | — |   |   |   | 106 |   |   |   | 52,812 |   |
| Consumer other                                                          |                 |                 | 74,914    |   |   |   | — |   |   |   | — |   |   |   | 400 |   |   |   | 75,314 |   |
| Home equity lines of credit                                             |                 |                 | 45,790    |   |   |   | — |   |   |   | — |   |   |   | 364 |   |   |   | 46,154 |   |
| FDIC-supported loans, net of discounts     (TeamBank)    |                 |                 | 142,510   |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 142,510 |   |
| FDIC-supported loans, net of discounts     (Vantus Bank) |                 |                 | 154,077   |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 154,077 |   |
|                                                                    |                 |                 |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                                           |                 | $                    | 1,808,538 |   |   | $ | 117,478 |   |   | $ | 2,590 |   |   | $ | 74,267 |   |   | $ | 2,002,873 |   |

|                                                                    |   | December 31, 2010  |      |
|-------------------------------------------------------------------------|--------|-------------------------|-----------|
|                                                                    |   | Satisfactory       |      |   | Watch  |   |   | SpecialMention |   |   | Substandard  |   |   | Total  |   |
|                                                                    |   | (In Thousands)     |      |
| One- to four-family residential     construction         |   | $                       | 27,620    |   |   | $ | 549 |   |   | $ | — |   |   | $ | 933 |   |   | $ | 29,102 |   |
| Subdivision construction                                                |   |                    | 69,907    |   |   |   | 8,408 |   |   |   | — |   |   |   | 8,334 |   |   |   | 86,649 |   |
| Land development                                                        |   |                    | 57,486    |   |   |   | 20,834 |   |   |   | — |   |   |   | 17,253 |   |   |   | 95,573 |   |
| Commercial construction                                                 |   |                    | 60,770    |   |   |   | 5,397 |   |   |   | — |   |   |   | 1,851 |   |   |   | 68,018 |   |
| Owner occupied one- to four-family     residential       |   |                    | 92,385    |   |   |   | 766 |   |   |   | — |   |   |   | 4,948 |   |   |   | 98,099 |   |
| Non-owner occupied one- to four-family     residential   |   |                    | 120,360   |   |   |   | 6,471 |   |   |   | — |   |   |   | 10,153 |   |   |   | 136,984 |   |
| Commercial real estate                                                  |   |                    | 460,088   |   |   |   | 46,805 |   |   |   | 2,574 |   |   |   | 20,810 |   |   |   | 530,277 |   |
| Other residential                                                       |   |                    | 185,600   |   |   |   | 15,478 |   |   |   | — |   |   |   | 9,768 |   |   |   | 210,846 |   |
| Commercial business                                                     |   |                    | 177,525   |   |   |   | 812 |   |   |   | — |   |   |   | 7,528 |   |   |   | 185,865 |   |
| Industrial revenue bonds                                                |   |                    | 62,451    |   |   |   | — |   |   |   | — |   |   |   | 2,190 |   |   |   | 64,641 |   |
| Consumer auto                                                           |   |                    | 48,883    |   |   |   | — |   |   |   | — |   |   |   | 109 |   |   |   | 48,992 |   |
| Consumer other                                                          |   |                    | 76,966    |   |   |   | — |   |   |   | — |   |   |   | 365 |   |   |   | 77,331 |   |
| Home equity lines of credit                                             |   |                    | 46,704    |   |   |   | — |   |   |   | — |   |   |   | 148 |   |   |   | 46,852 |   |
| FDIC-supported loans, net of discounts     (TeamBank)    |   |                    | 144,633   |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 144,633 |   |
| FDIC-supported loans, net of discounts     (Vantus Bank) |   |                    | 160,163   |   |   |   | — |   |   |   | — |   |   |   | — |   |   |   | 160,163 |   |
|                                                                    |   |                    |      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Total                                           |   | $                       | 1,791,541 |   |   | $ | 105,520 |   |   | $ | 2,574 |   |   | $ | 84,390 |   |   | $ | 1,984,025 |   |

|                                                                                                                                               |   | March 31, 2011 |     |
|----------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|----------|
|                                                                                                                                               |   | Loans          |     |   | ForeclosedAssets |   |
|                                                                                                                                               |   | (In Thousands) |     |
| Initial basis for loss sharing determination, net of activity since acquisition date                                                               |   | $              | 206,203  |   |   | $ | 16,635 |   |
| Non-credit premium/(discount), net of activity since acquisition date                                                                              |   |           | (3,127   | ) |   |   | — |   |
| Reclassification from nonaccretable discount to accretable discount due to     change in expected losses (net of accretion to date) |   |           | (14,368  | ) |   |   | — |   |
| Original estimated fair value of assets, net of activity since acquisition date                                                                    |   |           | (142,510 | ) |   |   | (6,359 | ) |
|                                                                                                                                               |   |           |     |   |   |   |   |   |
| Expected loss remaining                                                                                                                            |   |           | 46,198   |   |   |   | 10,276 |   |
| Assumed loss sharing recovery percentage                                                                                                           |   |           | 85       | % |   |   | 78 | % |
|                                                                                                                                               |   |           |     |   |   |   |   |   |
| Estimated loss sharing value                                                                                                                       |   |           | 39,294   |   |   |   | 8,058 |   |
| Indemnification asset to be amortized resulting from change in expected losses                                                                     |   |           | 13,641   |   |   |   | — |   |
| Accretable discount on FDIC indemnification asset                                                                                                  |   |           | (5,078   | ) |   |   | — |   |
| FDIC indemnification asset                                                                                                                         |   | $              | 47,857   |   |   | $ | 8,058 |   |

|                                                                                                                                               |   | December 31, 2010 |     |
|----------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------|----------|
|                                                                                                                                               |   | Loans             |     |   | ForeclosedAssets |   |
|                                                                                                                                               |   | (In Thousands)    |     |
| Initial basis for loss sharing determination, net of activity since acquisition date                                                               |   | $                 | 219,289  |   |   | $ | 15,921 |   |
| Non-credit premium/(discount), net of activity since acquisition date                                                                              |   |              | (3,875   | ) |   |   | — |   |
| Reclassification from nonaccretable discount to accretable discount due to     change in expected losses (net of accretion to date) |   |              | (21,071  | ) |   |   | — |   |
| Original estimated fair value of assets, net of activity since acquisition date                                                                    |   |              | (144,633 | ) |   |   | (5,463 | ) |
|                                                                                                                                               |   |              |     |   |   |   |   |   |
| Expected loss remaining                                                                                                                            |   |              | 49,710   |   |   |   | 10,458 |   |
| Assumed loss sharing recovery percentage                                                                                                           |   |              | 85       | % |   |   | 78 | % |
|                                                                                                                                               |   |              |     |   |   |   |   |   |
| Estimated loss sharing value                                                                                                                       |   |              | 42,275   |   |   |   | 8,204 |   |
| Indemnification asset to be amortized resulting from change in expected losses                                                                     |   |              | 20,011   |   |   |   | — |   |
| Accretable discount on FDIC indemnification asset                                                                                                  |   |              | (6,077   | ) |   |   | — |   |
| FDIC indemnification asset                                                                                                                         |   | $                 | 56,209   |   |   | $ | 8,204 |   |

|                                                                                                                                               |   | March 31, 2011 |     |
|----------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|----------|
|                                                                                                                                               |   | Loans          |     |   | ForeclosedAssets |   |
|                                                                                                                                               |   | (In Thousands) |     |
| Initial basis for loss sharing determination, net of activity since acquisition date                                                               |   | $              | 194,919  |   |   | $ | 9,745 |   |
| Non-credit premium/(discount), net of activity since acquisition date                                                                              |   |           | (1,155   | ) |   |   | — |   |
| Reclassification from nonaccretable discount to accretable discount due to     change in expected losses (net of accretion to date) |   |           | (15,864  | ) |   |   | — |   |
| Original estimated fair value of assets, net of activity since acquisition date                                                                    |   |           | (154,076 | ) |   |   | (5,793 | ) |
|                                                                                                                                               |   |           |     |   |   |   |   |   |
| Expected loss remaining                                                                                                                            |   |           | 23,824   |   |   |   | 3,952 |   |
| Assumed loss sharing recovery percentage                                                                                                           |   |           | 80       | % |   |   | 80 | % |
|                                                                                                                                               |   |           |     |   |   |   |   |   |
| Estimated loss sharing value                                                                                                                       |   |           | 19,059   |   |   |   | 3,162 |   |
| Indemnification asset to be amortized resulting from change in expected losses                                                                     |   |           | 12,691   |   |   |   | — |   |
| Accretable discount on FDIC indemnification asset                                                                                                  |   |           | (3,308   | ) |   |   | (109 | ) |
| FDIC indemnification asset                                                                                                                         |   | $              | 28,442   |   |   | $ | 3,053 |   |

|                                                                                                                                               |   | December 31, 2010 |     |
|----------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------|----------|
|                                                                                                                                               |   | Loans             |     |   | ForeclosedAssets |   |
|                                                                                                                                               |   | (In Thousands)    |     |
| Initial basis for loss sharing determination, net of activity since acquisition date                                                               |   | $                 | 208,080  |   |   | $ | 9,944 |   |
| Non-credit premium/(discount), net of activity since acquisition date                                                                              |   |              | (1,431   | ) |   |   | — |   |
| Reclassification from nonaccretable discount to accretable discount due to     change in expected losses (net of accretion to date) |   |              | (18,428  | ) |   |   | — |   |
| Original estimated fair value of assets, net of activity since acquisition date                                                                    |   |              | (160,163 | ) |   |   | (5,899 | ) |
|                                                                                                                                               |   |              |     |   |   |   |   |   |
| Expected loss remaining                                                                                                                            |   |              | 28,058   |   |   |   | 4,045 |   |
| Assumed loss sharing recovery percentage                                                                                                           |   |              | 80       | % |   |   | 80 | % |
|                                                                                                                                               |   |              |     |   |   |   |   |   |
| Estimated loss sharing value                                                                                                                       |   |              | 22,445   |   |   |   | 3,236 |   |
| Indemnification asset to be amortized resulting from change in expected losses                                                                     |   |              | 14,743   |   |   |   | — |   |
| Accretable discount on FDIC indemnification asset                                                                                                  |   |              | (3,850   | ) |   |   | (109 | ) |
| FDIC indemnification asset                                                                                                                         |   | $                 | 33,338   |   |   | $ | 3,127 |   |

|                                                                                                                                                                                                                                                                                                                |   | TeamBank       |    |   | Vantus Bank |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|---------|--------|-------------|--------|
|                                                                                                                                                                                                                                                                                                                |   | (In Thousands) |    |
|                                                                                                                                                                                                                                                                                                                |   |           |    |   |        |   |
| Balance, January 1, 2010                                                                                                                                                                                                                                                                                            |   | $              | 31,300  |   |        | $      | 39,023 |   |
| Accretion                                                                                                                                                                                                                                                                                                           |   |           | (3,619  | )      |        |   | (4,193 | ) |
|                                                                                                                                                                                                                                                                                                                |   |           |    |   |        |   |   |   |
| Balance, March 31, 2010                                                                                                                                                                                                                                                                                             |   | $              | 27,681  |   |        | $      | 34,830 |   |
|                                                                                                                                                                                                                                                                                                                |   |           |    |   |        |   |   |   |
| Balance, January 1, 2011                                                                                                                                                                                                                                                                                            |   | $              | 36,765  |   |        | $      | 35,796 |   |
| Accretion                                                                                                                                                                                                                                                                                                           |   |           | (10,669 | )      |        |   | (8,146 | ) |
| Reclassification from nonaccretable difference(1)                                                                                                                                                                                                                                                                   |   |           | 1,191   |   |        |   | 4,232 |   |
|                                                                                                                                                                                                                                                                                                                |   |           |    |   |        |   |   |   |
| Balance, March 31, 2011                                                                                                                                                                                                                                                                                             |   | $              | 27,287  |   |        | $      | 31,882 |   |
|                                                                                                                                                                                                                                                                                                                |   |           |    |   |        |   |   |   |
| (1) Represents increases in estimated cash flows expected to be received from the acquired loan pools, primarily due to lower estimated credit losses. The numbers also include changes in expected accretion of the loan pools totaling $391,000 and $1.6 million for TeamBank and Vantus Bank, respectively. |   |

|                                               |   | March 31,      |   |   | December 31, |   |
|----------------------------------------------------|--------|----------------|--------|--------|--------------|--------|
|                                               |   | 2011           |   |   | 2010         |   |
|                                               |   | (In Thousands) |   |
| One-to four-family construction                    |   | $              | 1,349  |   |         | $      | 2,510 |   |
| Subdivision construction                           |   |           | 18,986 |   |         |   | 19,816 |   |
| Land development                                   |   |           | 13,809 |   |         |   | 10,620 |   |
| Commercial construction                            |   |           | 3,997  |   |         |   | 3,997 |   |
| One-to four-family residential                     |   |           | 3,040  |   |         |   | 2,896 |   |
| Other residential                                  |   |           | 4,178  |   |         |   | 4,178 |   |
| Commercial real estate                             |   |           | 4,043  |   |         |   | 4,565 |   |
| Consumer                                           |   |           | 318    |   |         |   | 318 |   |
|                                               |   |           | 49,720 |   |         |   | 48,900 |   |
| FDIC-supported foreclosed assets, net of discounts |   |           | 12,152 |   |         |   | 11,362 |   |
|                                               |   | $              | 61,872 |   |         | $      | 60,262 |   |

|                                     |   | Three Months Ended March 31, |   |
|------------------------------------------|--------|------------------------------|--------|
|                                     |   | 2011                         |   |   | 2010 |   |
|                                     |   | (In Thousands)               |   |
| Net (gain) loss on sales of real estate  |   | $                            | (317   | ) |   | $ | 1,244 |   |
| Operating expenses, net of rental income |   |                         | 746    |   |   |   | 923 |   |
|                                     |   |                         |   |   |   |   |   |   |
|                                     |   | $                            | 429    |   |   | $ | 2,167 |   |

|                                                         |   |   | March 31,2011  |                                      |   | December 31,2010 |   |
|--------------------------------------------------------------|--------|--------|----------------|-------------------------------------------|--------|------------------|--------|
|                                                         |   |   | (In Thousands) |                                      |
| Time Deposits:                                               |   |   |           |                                      |
| 0.00% - 1.99%                                                |   |   | $              | 994,022                                   |   |             | $      | 838,619 |   |
| 2.00% - 2.99%                                                |   |   |           | 207,734                                   |   |             |   | 298,029 |   |
| 3.00% - 3.99%                                                |   |   |           | 23,012                                    |   |             |   | 28,398 |   |
| 4.00% - 4.99%                                                |   |   |           | 86,509                                    |   |             |   | 126,001 |   |
| 5.00% - 5.99%                                                |   |   |           |       7,746 |   |             |   | 8,346 |   |
| 6.00% - 6.99%                                                |   |   |           | 306                                       |   |             |   | 311 |   |
| Total time deposits (1.58% - 1.85%)                          |   |   |           | 1,319,329                                 |   |             |   | 1,299,704 |   |
| Non-interest-bearing demand deposits                         |   |   |           | 260,077                                   |   |             |   | 257,569 |   |
| Interest-bearing demand and savings deposits (0.74% - 0.83%) |   |   |           | 1,096,300                                 |   |             |   | 1,038,620 |   |
| Total Deposits                                               |   |   | $              | 2,675,706                                 |   |             | $      | 2,595,893 |   |

| ·   | Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity's own assumptions that are supported by little or no market activity or observable inputs. |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                     |   |                |    |   | Fair value measurements atMarch 31, 2011, using  |   |
|------------------------------------------|--------|---------------------|---------|--------|--------------------------------------------------|--------|
|                                     |   | Fair valueMarch 31, |    |   | Quoted pricesin activemarketsfor identicalassets |   |   | Otherobservableinputs |   |   | Significantunobservableinputs |   |
|                                     |   | 2011                |    |   | (Level 1)                                        |   |   | (Level 2) |   |   | (Level 3) |   |
|                                     |   | (In Thousands)      |    |
| U. S. government agencies                |   | $                   | 23,869  |   |                                             | $      | — |   |   | $ | 23,869 |   |   | $ | — |   |
| Collateralized mortgage obligations      |   |                | 5,810   |   |                                             |   | — |   |   |   | 5,810 |   |   |   | — |   |
| Mortgage-backed securities               |   |                | 654,229 |   |                                             |   | — |   |   |   | 654,229 |   |   |   | — |   |
| Small Business Administration loan pools |   |                | 60,286  |   |                                             |   | — |   |   |   | 60,286 |   |   |   | — |   |
| Corporate bonds                          |   |                | 169     |   |                                             |   | — |   |   |   | 169 |   |   |   | — |   |
| States and political subdivisions        |   |                | 91,425  |   |                                             |   | — |   |   |   | 91,425 |   |   |   | — |   |
| Equity securities                        |   |                | 2,390   |   |                                             |   | 653 |   |   |   | 1,737 |   |   |   | — |   |
| Mortgage servicing rights                |   |                | 542     |   |                                             |   | — |   |   |   | — |   |   |   | 542 |   |

|               |   | Mortgage Servicing Rights |   |
|--------------------|--------|---------------------------|--------|
|               |   | 2011                      |   |   | 2010 |   |
|               |   | (In Thousands)            |   |
| Balance, January 1 |   | $                    | 637    |   |   | $  | 1,132 |   |
| Additions          |   |                      | 8      |   |   |   | 36 |   |
| Amortization       |   |                      | (103   | ) |   |   | (108 | ) |
| Balance, March 31  |   | $                    | 542    |   |   | $  | 1,060 |   |

|                            |   |                    |           |   | Fair Value Measurements Using                             |   |
|---------------------------------|--------|-------------------------|----------------|--------|-----------------------------------------------------------|--------|
|                            |   | Fair ValueMarch 31,2011 |           |   | QuotedPrices inActive Marketsfor IdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                            |   |                    | (In Thousands) |   |
| Impaired loans                  |   | $                       | 38,240         |   |                                                      | $      | — |   |   | $ | — |   |   | $ | 38,240 |   |
| Foreclosed assets held for sale |   |                    | 700            |   |                                                      |   | — |   |   |   | — |   |   |   | 700 |   |

|                                    |   | March 31, 2011 |      |   | December 31, 2010 |   |
|-----------------------------------------|--------|----------------|-----------|--------|-------------------|--------|
|                                    |   | Carrying       |      |   | Fair              |   |   | Carrying |   |   | Fair |   |
|                                    |   | Amount         |      |   | Value             |   |   | Amount |   |   | Value |   |
|                                    |   | (In Thousands) |      |
| Financial assets                        |   |           |      |   |              |   |   |   |   |   |   |   |
| Cash and cash equivalents               |   | $              | 462,297   |   |              | $      | 462,297 |   |   | $ | 429,971 |   |   | $ | 429,971 |   |
| Available-for-sale securities           |   |           | 838,178   |   |              |   | 838,178 |   |   |   | 769,546 |   |   |   | 769,546 |   |
| Held-to-maturity securities             |   |           | 1,125     |   |              |   | 1,270 |   |   |   | 1,125 |   |   |   | 1,300 |   |
| Mortgage loans held for sale            |   |           | 7,401     |   |              |   | 7,401 |   |   |   | 22,499 |   |   |   | 22,499 |   |
| Loans, net of allowance for loan losses |   |           | 1,888,493 |   |              |   | 1,890,008 |   |   |   | 1,876,887 |   |   |   | 1,878,345 |   |
| Accrued interest receivable             |   |           | 11,667    |   |              |   | 11,667 |   |   |   | 12,628 |   |   |   | 12,628 |   |
| Investment in FHLB stock                |   |           | 11,524    |   |              |   | 11,524 |   |   |   | 11,572 |   |   |   | 11,572 |   |
| Mortgage servicing rights               |   |           | 542       |   |              |   | 542 |   |   |   | 637 |   |   |   | 637 |   |

|                                                                             |   | March 31, 2011 |      |   | December 31, 2010 |   |
|----------------------------------------------------------------------------------|--------|----------------|-----------|--------|-------------------|--------|
|                                                                             |   | Carrying       |      |   | Fair              |   |   | Carrying |   |   | Fair |   |
|                                                                             |   | Amount         |      |   | Value             |   |   | Amount |   |   | Value |   |
|                                                                             |   | (In Thousands) |      |
| Financial liabilities                                                            |   |           |      |   |              |   |   |   |   |   |   |   |
| Deposits                                                                         |   | $              | 2,675,706 |   |              | $      | 2,679,180 |   |   | $ | 2,595,893 |   |   | $ | 2,603,440 |   |
| FHLB advances                                                                    |   |           | 152,261   |   |              |   | 156,618 |   |   |   | 153,525 |   |   |   | 158,052 |   |
| Short-term borrowings                                                            |   |           | 266,880   |   |              |   | 266,880 |   |   |   | 257,958 |   |   |   | 257,958 |   |
| Structured repurchase agreements                                                 |   |           | 53,129    |   |              |   | 59,172 |   |   |   | 53,142 |   |   |   | 61,007 |   |
| Subordinated debentures                                                          |   |           | 30,929    |   |              |   | 30,929 |   |   |   | 30,929 |   |   |   | 30,929 |   |
| Accrued interest payable                                                         |   |           | 3,558     |   |              |   | 3,558 |   |   |   | 3,765 |   |   |   | 3,765 |   |
| Unrecognized financial instruments (net     of contractual value) |   |           |      |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Commitments to originate loans                                                   |   |           | —   |   |              |   | — |   |   |   | — |   |   |   | — |   |
| Letters of credit                                                                |   |           | 36        |   |              |   | 36 |   |   |   | 50 |   |   |   | 50 |   |
| Lines of credit                                                                  |   |           | —   |   |              |   | — |   |   |   | — |   |   |   | — |   |

|                                           |   | BeginningBalance,January 1 |    |   | Additionsto Non-Performing |   |    | Removedfrom Non-Performing |   |   | Transfers toPotentialProblemLoans |   |   | Transfers toForeclosedAssets |    |   | Charge-Offs |   |    | Payments |   |   | EndingBalance,March 31 |   |
|-----------------------------------------------------|--------|----------------------------|---------|--------|----------------------------|--------|---------|----------------------------|--------|--------|-----------------------------------|--------|--------|------------------------------|---------|--------|-------------|--------|---------|----------|--------|--------|------------------------|--------|
|                                                |   | (In Thousands)             |    |
| One- to four-family     construction |   | $                          | 578     |   |                       | $      | 261     |                       |   | $      | —                           |   |   | $                            | — |   |        | $      | — |     |   | $      | —                |   |   | $ | (202 | ) |   | $ | 637 |   |
| Subdivision construction                            |   |                       | 1,860   |   |                       |   | 3,029   |                       |   |   | (26                               | )      |   |                         | — |   |        |   | (715    | )        |   |   | (210                   | )      |   |   | — |   |   |   | 3,938 |   |
| Land development                                    |   |                       | 5,668   |   |                       |   | 97      |                       |   |   |                              |   |   |                         | (667    | )      |        |   | (2,474  | )        |   |   | (767                   | )      |   |   | (51 | ) |   |   | 1,806 |   |
| Commercial construction                             |   |                       | — |   |                       |   | — |                       |   |   | —                           |   |   |                         | — |   |        |   | — |     |   |   | —                |   |   |   | — |   |   |   | — |   |
| One- to four-family     residential  |   |                       | 5,555   |   |                       |   | 2,173   |                       |   |   | —                           |   |   |                         | — |   |        |   | (1,061  | )        |   |   | (219                   | )      |   |   | (301 | ) |   |   | 6,147 |   |
| Other residential                                   |   |                       | 4,203   |   |                       |   | — |                       |   |   | —                           |   |   |                         | — |   |        |   | (183    | )        |   |   | (883                   | )      |   |   | — |   |   |   | 3,137 |   |
| Commercial real estate                              |   |                       | 6,074   |   |                       |   | 13,600  |                       |   |   | —                           |   |   |                         | (1,764  | )      |        |   | — |     |   |   | (1,628                 | )      |   |   | (58 | ) |   |   | 16,224 |   |
| Commercial business                                 |   |                       | 3,832   |   |                       |   | 502     |                       |   |   | —                           |   |   |                         | — |   |        |   | — |     |   |   | (92                    | )      |   |   | (793 | ) |   |   | 3,449 |   |
| Consumer                                            |   |                       | 1,650   |   |                       |   | 414     |                       |   |   | (90                               | )      |   |                         | (97     | )      |        |   | (14     | )        |   |   | (43                    | )      |   |   | (311 | ) |   |   | 1,509 |   |
|                                                |   |                       |    |   |                       |   |    |                       |   |   |                              |   |   |                         |    |   |        |   |    |     |   |   |                   |   |   |   |   |   |   |   |   |   |
| Total                                               |   | $                          | 29,420  |   |                       | $      | 20,076  |                       |   | $      | (116                              | )      |   | $                            | (2,528  | )      |        | $      | (4,447  | )        |   | $      | (3,842                 | )      |   | $ | (1,716 | ) |   | $ | 36,847 |   |
|                                                |   |                       |    |   |                       |   |    |                       |   |   |                              |   |   |                         |    |   |        |   |    |     |   |   |                   |   |   |   |   |   |   |   |   |   |

|                                           |   | BeginningBalance,January 1 |   |   | AdditionstoPotentialProblem |   |    | RemovedfromPotentialProblem |   |   | Transfers toNon-Performing |   |   | Transfers toForeclosedAssets |    |   | Charge-Offs |   |    | Payments |   |   | EndingBalance,March 31 |   |
|-----------------------------------------------------|--------|----------------------------|--------|--------|-----------------------------|--------|---------|-----------------------------|--------|--------|----------------------------|--------|--------|------------------------------|---------|--------|-------------|--------|---------|----------|--------|--------|------------------------|--------|
|                                                |   | (In Thousands)             |   |
| One- to four-family     construction |   | $                          | 714    |   |                        | $      | 213     |                        |   | $      | (196                       | )      |   | $                            | (261    | )      |        | $      | — |     |   | $      | —                |   |   | $ | (37 | ) |   | $ | 433 |   |
| Subdivision construction                            |   |                       | 6,473  |   |                        |   | 391     |                        |   |   | —                    |   |   |                         | (1,876  | )      |        |   | — |     |   |   | (861                   | )      |   |   | (1,260 | ) |   |   | 2,867 |   |
| Land development                                    |   |                       | 11,476 |   |                        |   | 742     |                        |   |   | —                    |   |   |                         | — |   |        |   | — |     |   |   | —                |   |   |   | (1,907 | ) |   |   | 10,311 |   |
| Commercial construction                             |   |                       | 1,851  |   |                        |   | — |                        |   |   | (1,200                     | )      |   |                         | — |   |        |   | — |     |   |   | (651                   | )      |   |   | — |   |   |   | — |   |
| One- to four-family     residential  |   |                       | 8,786  |   |                        |   | — |                        |   |   | (419                       | )      |   |                         | (862    | )      |        |   | — |     |   |   | (599                   | )      |   |   | (419 | ) |   |   | 6,487 |   |
| Other residential                                   |   |                       | 5,674  |   |                        |   | — |                        |   |   | —                    |   |   |                         | — |   |        |   | — |     |   |   | —                |   |   |   | (2 | ) |   |   | 5,672 |   |
| Commercial real estate                              |   |                       | 14,729 |   |                        |   | 2,934   |                        |   |   | (1,160                     | )      |   |                         | (5,068  | )      |        |   | (2,669  | )        |   |   | —                |   |   |   | (240 | ) |   |   | 8,526 |   |
| Commercial business                                 |   |                       | 5,934  |   |                        |   | 2,191   |                        |   |   | (413                       | )      |   |                         | (503    | )      |        |   | — |     |   |   | (684                   | )      |   |   | (3,128 | ) |   |   | 3,397 |   |
| Consumer                                            |   |                       | 12     |   |                        |   | 99      |                        |   |   | —                    |   |   |                         | (11     | )      |        |   | — |     |   |   | —                |   |   |   | (1 | ) |   |   | 99 |   |
|                                                |   |                       |   |   |                        |   |    |                        |   |   |                       |   |   |                         |    |   |        |   |    |     |   |   |                   |   |   |   |   |   |   |   |   |   |
| Total                                               |   | $                          | 55,649 |   |                        | $      | 6,570   |                        |   | $      | (3,388                     | )      |   | $                            | (8,581  | )      |        | $      | (2,669  | )        |   | $      | (2,795                 | )      |   | $ | (6,994 | ) |   | $ | 37,792 |   |
|                                                |   |                       |   |   |                        |   |    |                        |   |   |                       |   |   |                         |    |   |        |   |    |     |   |   |                   |   |   |   |   |   |   |   |   |   |

|                        |   | BeginningBalance,January 1 |   |   | Additions |   |    | Proceedsfrom Sales |   |   | CapitalizedCosts |   |   | ORE ExpenseWrite-Downs |    |   | EndingBalance,March 31 |   |
|----------------------------------|--------|----------------------------|--------|--------|-----------|--------|---------|--------------------|--------|--------|------------------|--------|--------|------------------------|---------|--------|------------------------|--------|
|                             |   | (In Thousands)             |   |
| One- to four-family construction |   | $                          | 2,510  |   |      | $      | — |               |   | $      | (1,275           | )      |   | $                      | 114     |   |                   | $      | — |   |   | $ | 1,349 |   |
| Subdivision construction         |   |                       | 19,816 |   |      |   | — |               |   |   | (805             | )      |   |                   | — |   |                   |   | (25 | ) |   |   | 18,986 |   |
| Land development                 |   |                       | 10,620 |   |      |   | 3,189   |               |   |   | —          |   |   |                   | — |   |                   |   | — |   |   |   | 13,809 |   |
| Commercial construction          |   |                       | 3,997  |   |      |   | — |               |   |   | —          |   |   |                   | — |   |                   |   | — |   |   |   | 3,997 |   |
| One- to four-family residential  |   |                       | 2,896  |   |      |   | 1,238   |               |   |   | (970             | )      |   |                   | — |   |                   |   | (124 | ) |   |   | 3,040 |   |
| Other residential                |   |                       | 4,178  |   |      |   | 183     |               |   |   | (193             | )      |   |                   | — |   |                   |   | 10 |   |   |   | 4,178 |   |
| Commercial real estate           |   |                       | 4,565  |   |      |   | 2,669   |               |   |   | (3,057           | )      |   |                   | — |   |                   |   | (134 | ) |   |   | 4,043 |   |
| Consumer                         |   |                       | 318    |   |      |   | 237     |               |   |   | (237             | )      |   |                   | — |   |                   |   | — |   |   |   | 318 |   |
|                             |   |                       |   |   |      |   |    |               |   |   |             |   |   |                   |    |   |                   |   |   |   |   |   |   |   |
| Total                            |   | $                          | 48,900 |   |      | $      | 7,516   |               |   | $      | (6,537           | )      |   | $                      | 114     |   |                   | $      | (273 | ) |   | $ | 49,720 |   |
|                             |   |                       |   |   |      |   |    |               |   |   |             |   |   |                   |    |   |                   |   |   |   |   |   |   |   |

|             |                                                                                            |   | March 31,2011(2) |   |   | Three Months EndedMarch 31, 2011 |   | Three Months EndedMarch 31, 2010 |     |
|-----------------------|-------------------------------------------------------------------------------------------------|--------|------------------|--------|--------|----------------------------------|--------|----------------------------------|----------|
|                  |                                                                                            |   | Yield/Rate       |   |   | AverageBalance                   |   |                             | Interest |   | Yield/Rate |   | AverageBalance |   |   | Interest |   | Yield/Rate |   |
|                  |                                                                                            |   |             |   |   | (Dollars in thousands)           |   |
|                  | Interest-earning assets:                                                                        |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |
|                  | Loans receivable:                                                                               |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |
|                  |  One- to four-family residential                                                      |   |             | 5.49   | %      |                             | $      | 313,738                          |     |   | $ | 5,888 |   | 7.61 | % | $ | 347,039 |   |   | $ | 5,148 |   | 6.02 | % |
|                  |  Other residential                                                                         |   |             | 5.48   |   |                             |   | 236,898                          |     |   |   | 3,549 |   | 6.08 |   |   | 216,743 |   |   |   | 3,285 |   | 6.14 |   |
|                  |  Commercial real estate                                                                    |   |             | 5.98   |   |                             |   | 644,737                          |     |   |   | 12,901 |   | 8.12 |   |   | 714,677 |   |   |   | 11,208 |   | 6.36 |   |
|                  |  Construction                                                                              |   |             | 5.61   |   |                             |   | 273,228                          |     |   |   | 9,824 |   | 11.32 |   |   | 353,785 |   |   |   | 4,867 |   | 5.58 |   |
|                  |  Commercial business                                                                       |   |             | 5.51   |   |                             |   | 175,412                          |     |   |   | 4,895 |   | 14.58 |   |   | 169,149 |   |   |   | 2,870 |   | 6.88 |   |
|                  |  Other loans                                                                               |   |             | 7.28   |   |                             |   | 209,475                          |     |   |   | 3,996 |   | 7.74 |   |   | 239,636 |   |   |   | 3,752 |   | 6.35 |   |
|                  |  Industrial revenue bonds (1)                                                              |   |             | 6.05   |   |                             |   | 72,364                           |     |   |   | 1,031 |   | 5.78 |   |   | 70,573 |   |   |   | 1,064 |   | 6.11 |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Total loans receivable                                                                          |   |             | 5.99   |   |                             |   | 1,925,852                        |     |   |   | 42,084 |   | 8.86 |   |   | 2,111,602 |   |   |   | 32,194 |   | 6.18 |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Investment securities (1)                                                                       |   |             | 3.48   |   |                             |   | 831,129                          |     |   |   | 6,790 |   | 3.31 |   |   | 776,646 |   |   |   | 7,436 |   | 3.88 |   |
|                  | Other interest-earning assets                                                                   |   |             | 0.22   |   |                             |   | 401,359                          |     |   |   | 166 |   | 0.17 |   |   | 217,811 |   |   |   | 124 |   | 0.23 |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Total interest-earning assets                                                                   |   |             | 4.64   |   |                             |   | 3,158,340                        |     |   |   | 49,040 |   | 6.30 |   |   | 3,106,059 |   |   |   | 39,754 |   | 5.19 |   |
|                  | Non-interest-earning assets:                                                                    |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  |  Cash and cash equivalents                                                                 |   |             |   |   |                             |   | 73,348                           |     |   |   |   |   |   |   |   | 302,663 |   |   |   |   |   |   |   |
|                  |  Other non-earning assets                                                                  |   |             |   |   |                             |   | 256,783                          |     |   |   |   |   |   |   |   | 270,460 |   |   |   |   |   |   |   |
|                  | Total assets                                                                                    |   |             |   |   |                             | $      | 3,488,471                        |     |   |   |   |   |   |   | $ | 3,679,182 |   |   |   |   |   |   |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Interest-bearing liabilities:                                                                   |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Interest-bearing demand and savings                                                             |   |             | 0.74   |   |                             | $      | 1,090,280                        |     |   |   | 2,107 |   | 0.78 |   | $ | 849,029 |   |   |   | 2,058 |   | 0.98 |   |
|                  | Time deposits                                                                                   |   |             | 1.58   |   |                             |   | 1,316,443                        |     |   |   | 5,379 |   | 1.66 |   |   | 1,675,336 |   |   |   | 8,599 |   | 2.08 |   |
|                  | Total deposits                                                                                  |   |             | 1.20   |   |                             |   | 2,406,723                        |     |   |   | 7,486 |   | 1.26 |   |   | 2,524,365 |   |   |   | 10,657 |   | 1.71 |   |
|                  | Short-term borrowings and structured     repurchase agreements                   |   |             | 0.97   |   |                             |   | 322,104                          |     |   |   | 756 |   | 0.95 |   |   | 377,453 |   |   |   | 993 |   | 1.07 |   |
|                  | Subordinated debentures issued to     capital trusts                        |   |             | 1.87   |   |                             |   | 30,929                           |     |   |   | 140 |   | 1.84 |   |   | 30,929 |   |   |   | 136 |   | 1.79 |   |
|                  | FHLB advances                                                                                   |   |             | 3.48   |   |                             |   | 153,011                          |     |   |   | 1,297 |   | 3.44 |   |   | 168,517 |   |   |   | 1,397 |   | 3.36 |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Total interest-bearing liabilities                                                              |   |             | 1.30   |   |                             |   | 2,912,767                        |     |   |   | 9,679 |   | 1.35 |   |   | 3,101,264 |   |   |   | 13,183 |   | 1.72 |   |
|                  | Non-interest-bearing liabilities:                                                               |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  |  Demand deposits                                                                           |   |             |   |   |                             |   | 251,866                          |     |   |   |   |   |   |   |   | 249,052 |   |   |   |   |   |   |   |
|                  |  Other liabilities                                                                         |   |             |   |   |                             |   |  15,862                     |     |   |   |   |   |   |   |   |  23,017 |   |   |   |   |   |   |   |
|                  | Total liabilities                                                                               |   |             |   |   |                             |   | 3,180,495                        |     |   |   |   |   |   |   |   | 3,373,333 |   |   |   |   |   |   |   |
|                  | Stockholders’ equity                                                                      |   |             |   |   |                             |   | 307,976                          |     |   |   |   |   |   |   |   | 305,849 |   |   |   |   |   |   |   |
|                  | Total liabilities and stockholders’     equity                             |   |             |   |   |                             | $      | 3,488,471                        |     |   |   |   |   |   |   | $ | 3,679,182 |   |   |   |   |   |   |   |
|                  |                                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  | Net interest income:                                                                            |   |             |   |   |                             |   |                             |     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                  |  Interest rate spread                                                                      |   |             | 3.34   | %      |                             |   |                             |     |   | $ | 39,361 |   | 4.95 | % |   |   |   |   | $ | 26,571 |   | 3.47 | % |
|                  |  Net interest margin*                                                                      |   |             |   |   |                             |   |                             |     |   |   |   |   | 5.05 | % |   |   |   |   |   |   |   | 3.47 | % |
|                  | Average interest-earning assets to     average interest-bearing liabilities |   |             |   |   |                             |   | 108.4                            | %        |   |   |   |   |   |   |   | 100.2 | % |   |   |   |   |   |   |
| _____________________ |                                                                                            |   |
| *                     | Defined as the Company’s net interest income divided by total interest-earning assets.    |   |             |

|  (1)  |   | Of the total average balances of investment securities, average tax-exempt investment securities were $94.6 million and $63.2 million for the three months ended March 31, 2011 and 2010, respectively. In addition, average tax-exempt loans and industrial revenue bonds were $43.6 million and $46.7 million for the three months ended March 31, 2011 and 2010, respectively. Interest income on tax-exempt assets included in this table was $1.8 million and $1.3 million for the three months ended March 31, 2011 and 2010, respectively. Interest income net of disallowed interest expense related to tax-exempt assets was $1.6 million and $1.1 million for the three months ended March 31, 2011 and 2010, respectively. |
|-----------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  (2)       |   | The yield/rate on loans at March 31, 2011 does not include the impact of the accretable yield (income) on loans acquired in the 2009 FDIC-assisted transactions.  See “Net Interest Income” for a discussion of the effect on results of operations for the quarter ended March 31, 2011.                                                                                                                                                                                                                                                                                                                                                                                                                                                |

|                                            |   | Three Months Ended March 31, |   |
|-------------------------------------------------|--------|------------------------------|--------|
|                                            |   | 2011 vs. 2010                |   |
|                                            |   | Increase(Decrease)Due to     |   |   |   |   |
|                                            |   |                         |   |
|                                            |   | TotalIncrease(Decrease)      |   |
|                                            |   | Rate                         |   |   | Volume |   |
|                                            |   | (Dollars in thousands)       |   |
| Interest-earning assets:                        |   |                         |   |   |   |   |   |   |   |
| Loans receivable                                |   | $                            | 12,994 |   |   | $ |  (3,104 | ) |   | $ | 9,890 |   |
| Investment securities                           |   |                         | (1,153 | ) |   |   | 507 |   |   |   | (646 | ) |
| Other interest-earning assets                   |   |                         | (42    | ) |   |   | 84 |   |   |   | 42 |   |
| Total interest-earning assets                   |   |                         | 11,799 |   |   |   | (2,513 | ) |   |   | 9,286 |   |
| Interest-bearing liabilities:                   |   |                         |   |   |   |   |   |   |   |   |   |   |
| Demand deposits                                 |   |                         | (473   | ) |   |   |   522 |   |   |   | 49 |   |
| Time deposits                                   |   |                         | (1,570 | ) |   |   | (1,650 | ) |   |   |    (3,220 | ) |
| Total deposits                                  |   |                         | (2,043 | ) |   |   | (1,128 | ) |   |   |    (3,171 | ) |
| Short-term borrowings and structured repo       |   |                         | (100   | ) |   |   | (137 | ) |   |   | (237 | ) |
| Subordinated debentures issued to capital trust |   |                         | 4      |   |   |   | -- |   |   |   | 4 |   |
| FHLBank advances                                |   |                         | 32     |   |   |   | (132 | ) |   |   |  (100 | ) |
| Total interest-bearing liabilities              |   |                         | (2,107 | ) |   |   | (1,397 | ) |   |   |    (3,504 | ) |
| Net interest income                             |   | $                            | 13,906 |   |   | $ | (1,116 | ) |   | $ | 12,790 |   |

| Federal Home Loan Bank line                        | $247.5 million |   |
|----------------------------------------------------|----------------|--------|
| Federal Reserve Bank line                          | $270.3 million |   |
| Interest-Bearing and Non-Interest-Bearing Deposits | $462.3 million |   |
| Unpledged Securities                               | $86.9 million  |   |

|                                      |   | Total Numberof SharesPurchased |   |   | AveragePricePer Share |   |   | Total Numberof SharesPurchasedAs Part ofPubliclyAnnouncedPlan |   |   | MaximumNumber ofShares thatMay Yet BePurchasedUnder thePlan(1) |
|-------------------------------------------|--------|--------------------------------|--------|--------|-----------------------|--------|--------|---------------------------------------------------------------|--------|--------|----------------------------------------------------------------|
|                                      |   |                           |   |   |                  |   |   |                                                          |   |   |                                                           |
| January 1, 2011 –January 31, 2011   |   |                           | ---    |   |                  | $      | ----   |                                                          |   |   | ---                                                            |   |   |   | 396,562 |   |
| February 1, 2011 –February 28, 2011 |   |                           | ---    |   |                  | $      | ----   |                                                          |   |   | ---                                                            |   |   |   | 396,562 |   |
| March 1, 2011 –March 31, 2011       |   |                           | ---    |   |                  | $      | ----   |                                                          |   |   | ---                                                            |   |   |   | 396,562 |   |
|                                      |   |                           | ---    |   |                  | $      | ----   |                                                          |   |   | ---                                                            |   |   |   |   |   |

| _______________________ |                                                                                                                             |   |
|-------------------------|----------------------------------------------------------------------------------------------------------------------------------|--------|
| (1)                     | Amount represents the number of shares available to be repurchased under the plan as of the last calendar dayof the month shown. |   |

|   | a)                 | Exhibits  |
|--------|--------------------|----------------|
|   | See Exhibit Index. |

|              | Great Southern Bancorp, Inc.                                                             |
|-------------------|------------------------------------------------------------------------------------------|
|              | Registrant                                                                     |
| Date: May 6, 2011 | /s/ Joseph W. Turner                                                                     |
|              | Joseph W. TurnerPresident and Chief Executive Officer(Principal Executive Officer)  |
| Date: May 6, 2011 | /s/ Rex A. Copeland                                                                      |
|              | Rex A. CopelandTreasurer(Principal Financial and Accounting Officer)                     |

| (2) | Plan of acquisition, reorganization, arrangement, liquidation, or succession |   |
|-----|------------------------------------------------------------------------------|--------|

|   | (i) | The Purchase and Assumption Agreement, dated as of March 20, 2009, among Federal Deposit Insurance Corporation, Receiver of TeamBank, N.A., Paola, Kansas, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1 to the Registrant's Current Report on Form 8-K filed on March 26, 2010 is incorporated herein by reference as Exhibit 2.1. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | The Purchase and Assumption Agreement, dated as of September 4, 2009, among Federal Deposit Insurance Corporation, Receiver of Vantus Bank, Sioux City, Iowa, Federal Deposit Insurance Corporation and Great Southern Bank, previously filed with the Commission (File no. 000-18082) as Exhibit 2.1 to the Registrant's Current Report on Form 8-K filed on September 11, 2010 is incorporated herein by reference as Exhibit 2.1. |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3) | Articles of incorporation and Bylaws |   |
|-----|--------------------------------------|--------|

|   | (i) | The Registrant's Charter previously filed with the Commission as Appendix D to the Registrant's Definitive Proxy Statement on Schedule 14A filed on March 31, 2004 (File No. 000-18082), is incorporated herein by reference as Exhibit 3.1. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iA) | The Articles Supplementary to the Registrant's Charter setting forth the terms of the Registrant's Fixed RatedCumulative Perpetual Preferred Stock, Series A, previously filed with the Commission (File no. 000-18082) as Exhibit 3.1 to the Registrant's Current Report on Form 8-K filed on December 9, 2008, are incorporated herein by reference as Exhibit 3(i). |
|--------|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | The Registrant's Bylaws, previously filed with the Commission (File no. 000-18082) as Exhibit 3(ii) to the Registrant's Current Report on Form 8-K filed on October 23, 2007, is incorporated herein by reference as Exhibit 3.2. |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | Instruments defining the rights of security holders, including indentures |
|-----|---------------------------------------------------------------------------|

| (9) | Voting trust agreement |
|-----|------------------------|

| (10) | Material contracts |
|------|--------------------|

| (11) | Statement re computation of per share earnings |
|------|------------------------------------------------|

| (15) | Letter re unaudited interim financial information |
|------|---------------------------------------------------|

| (18) | Letter re change in accounting principles |
|------|-------------------------------------------|

| (19) | Report furnished to securityholders. |
|------|--------------------------------------|

| (22) | Published report regarding matters submitted to vote of security holders |
|------|--------------------------------------------------------------------------|

| (23) | Consents of experts and counsel |
|------|---------------------------------|

| (24) | Power of attorney |
|------|-------------------|

| (31.1) | Rule 13a-14(a) Certification of Chief Executive Officer |
|--------|---------------------------------------------------------|

| (31.2) | Rule 13a-14(a) Certification of Treasurer |
|--------|-------------------------------------------|

| (32) | Certification pursuant to Section 906 of Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350) |
|------|----------------------------------------------------------------------------------------------|

| (99) | Additional Exhibits |
|------|---------------------|