GSBC 10-K Fiscal year ended Dec. 31, 2015

Maryland	43-1524856
(State or other jurisdiction of incorporation or organization)	(IRS Employer Identification No.)
1451 E. Battlefield, Springfield, Missouri	65804
(Address of principal executive offices)	(Zip Code)

(417) 887-4400

Registrant's telephone number, including area code

Title of Each Class	Name of Each Exchange on Which Registered
Common Stock, par value $0.01 per share	The NASDAQ Stock Market LLC

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.	Yes [  ]   No [X]
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.	Yes [  ]   No [X]
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.	Yes [X]  No [  ]
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).	Yes [X]  No [  ]
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendments to this Form 10-K. [  ]
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of "accelerated filer," "large accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer [  ]       Accelerated filer [X]       Non-accelerated filer [  ](Do not check if a smaller reporting company) Smaller reporting company [   ]
Indicated by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).	Yes [  ]   No [X]
The aggregate market value of the common stock of the registrant held by non-affiliates of the Registrant on June 30, 2015, computed by reference to the closing price of such shares on that date, was $442,360,141.  At March 1, 2016, 13,891,443 shares of the Registrant's common stock were outstanding.

			Page
ITEM 1.	BUSINESS		1
ITEM 1A.	RISK FACTORS		56
ITEM 1B.	UNRESOLVED STAFF COMMENTS		66
ITEM 2.	PROPERTIES.		66
ITEM 3.	LEGAL PROCEEDINGS.		67
ITEM 4.	MINE SAFETY DISCLOSURES.		67
ITEM 4A.	EXECUTIVE OFFICERS OF THE REGISTRANT.		67
ITEM 5.	MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES		68
ITEM 6.	SELECTED CONSOLIDATED FINANCIAL DATA		69
ITEM 7.	MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION		72
ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK		105
ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY INFORMATION		109

ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE		201
ITEM 9A.	CONTROLS AND PROCEDURES.		201
ITEM 9B.	OTHER INFORMATION.		203
ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.		204
ITEM 11.	EXECUTIVE COMPENSATION.		204
ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS		204
ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.		204
ITEM 14.	PRINCIPAL ACCOUNTANT FEES AND SERVICES.		205
ITEM 15.	EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.		206

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars In Thousands)
Real Estate Loans:
One- to four- family (1)		$	272,411				7.9	%		$	245,180				8.3	%		$	242,281				10.5	%		$	256,146				12.7	%		$	266,694				14.0	%
Other residential			419,550				12.1				392,415				13.2				325,599				14.2				267,518				13.2				243,743				12.8
Commercial (2)			1,080,836				31.3				986,936				33.3				822,920				35.8				736,139				36.4				699,607				36.7
Residential construction:
One- to four- family			36,430				1.1				49,631				1.7				47,308				2.1				52,249				2.5				78,900				4.1
Other residential			133,718				3.9				59,664				2.0				32,988				1.4				27,556				1.4				27,826				1.5
Commercial			551,115				16.0				404,683				13.7				236,635				10.3				198,145				9.8				166,749				8.8
Total real estate loans			2,494,060				72.3				2,138,509				72.2				1,707,731				74.3				1,537,753				76.0				1,483,519				77.9
Other Loans:
Consumer loans:
Automobile, boat, etc.			513,798				14.9				400,392				13.5				215,778				9.4				164,748				8.1				135,480				7.1
Home equity and improvement			83,966				2.4				66,275				2.2				58,297				2.5				54,317				2.7				47,395				2.5
Other			926				—				987				0.1				1,184				0.1				1,585				0.1				1,147				0.1
Total consumer loans			598,690				17.3				467,654				15.8				275,259				12.0				220,650				10.9				184,022				9.7
Other commercial loans			357,581				10.4				354,012				12.0				315,269				13.7				264,631				13.1				236,384				12.4
Total other loans			956,271				27.7				821,666				27.8				590,528				25.7				485,281				24.0				420,406				22.1
Total loans			3,450,331				100.0	%			2,960,175				100.0	%			2,298,259				100.0	%			2,023,034				100.0	%			1,903,925				100.0	%
Less:
Loans in process			418,702								323,572								194,544								157,574								103,424
Deferred fees and discounts			3,528								3,276								2,994								2,192								2,726
Allowance for loan losses			36,646								36,300								40,116								40,649								41,232
Total legacy loans receivable, net		$	2,991,455							$	2,597,027							$	2,060,605							$	1,822,619							$	1,756,543
(1) Includes loans held for sale. (2) Total commercial real estate loans included industrial revenue bonds of $37.4 million, $41.1 million, $42.2 million, $43.8 million and $59.8 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
	(Dollars In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	9,696				33.3	%		$	12,293				28.0	%		$	15,050				28.1	%		$	19,610				22.6	%		$	25,119				15.1	%
Other residential			992				3.4				1,083				2.5				1,163				2.2				4,520				5.2				6,286				3.8
Commercial (1)			11,872				40.8				21,207				48.3				24,682				46.1				41,471				47.8				89,354				53.8
Construction			3,916				13.4				5,257				12.0				6,996				13.0				12,670				14.7				28,582				17.3
Total real estate loans			26,476				90.9				39,840				90.8				47,891				89.4				78,271				90.3				149,341				90.0
Other Loans:
Consumer loans:
Home equity and improvement			2,138				7.4				3,282				7.5				4,190				7.8				4,989				5.8				5,720				3.4
Other			37				0.1				64				0.2				73				0.2				159				0.1				446				0.3
Total consumer loans			2,175				7.5				3,346				7.7				4,263				8.0				5,148				5.9				6,166				3.7
Other commercial loans			465				1.6				674				1.5				1,404				2.6				3,243				3.8				10,496				6.3
Total other loans			2,640				9.1				4,020				9.2				5,667				10.6				8,391				9.7				16,662				10.0
Total loans (2)			29,116				100.0	%			43,860				100.0	%			53,558				100.0	%			86,662				100.0	%			166,003				100.0	%
Less:
Loans in process			2								5								5								5								1,719
Allowance for loan losses			205								415								—								—								—
Fair value discounts			1,454								2,295								3,691								9,042								35,409
Total Team Bank, N.A. loans receivable, net		$	27,455							$	41,145							$	49,862							$	77,615							$	128,875
(1) Total commercial real estate loans included industrial revenue bonds of $1.9 million, $2.0 million, $2.1 million, $2.3 million and $2.5 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
(2) Total loans included non-single-family loans which are no longer covered by the FDIC loss sharing agreement of $17.2 million and $28.3 million at December 31, 2015 and 2014, respectively.

		December 31,
		2015								2014
		Amount				%				Amount				%
		(Dollars in Thousands)
Real Estate Loans:
Residential
One- to four- family		$	30,646				27.9	%		$	39,664				27.1	%
Other residential			25,886				23.6				22,700				15.5
Commercial (1)			31,143				28.4				44,170				30.2
Construction			5,922				5.4				13,670				9.4
Total real estate loans			93,597				85.3				120,204				82.2
Other Loans:
Consumer loans:
Home equity and improvement			1,232				1.1				1,763				1.2
Other			1,362				1.2				1,949				1.3
Total consumer loans			2,594				2.3				3,712				2.5
Other commercial loans			13,613				12.4				22,378				15.3
Total other loans			16,207				14.7				26,090				17.8
Total loans			109,804				100.0	%			146,294				100.0	%
Less:
Loans in process			13								449
Allowance for loan losses			738								403
Fair value discounts			16,355								23,863
Total Valley Bank  loans receivable, net		$	92,698							$	121,579

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars In Thousands)
Fixed-Rate Loans:
Real Estate Loans
One- to four- family		$	110,738				3.2	%		$	102,780				3.5	%		$	94,566				4.1	%		$	103,442				5.1	%		$	127,736				6.7	%
Other residential			257,854				7.5				273,701				9.2				209,008				9.1				146,661				7.2				129,505				6.8
Commercial			522,924				15.2				453,153				15.3				397,618				17.2				330,196				16.3				321,226				16.9
Residential construction:
One- to four- family			16,483				0.5				17,753				0.6				17,270				0.8				18,024				0.9				28,177				1.4
Other residential			21,548				0.6				9,950				0.3				2,162				0.1				7,716				0.4				1,078				0.1
Commercial construction			376,661				10.9				285,623				9.7				156,142				6.8				126,756				6.3				88,671				4.7
Total real estate loans			1,306,208				37.9				1,142,960				38.6				876,766				38.1				732,795				36.2				696,393				36.6
Consumer			506,574				14.7				396,412				13.4				215,628				9.4				166,520				8.2				137,045				7.2
Other commercial			195,602				5.6				197,635				6.7				189,899				8.3				131,523				6.5				100,107				5.2
Total fixed-rate loans			2,008,384				58.2				1,737,007				58.7				1,282,293				55.8				1,030,838				50.9				933,545				49.0
Adjustable-Rate Loans:
Real Estate Loans
One- to four- family			161,673				4.7				142,400				4.8				147,715				6.4				152,704				7.5				138,958				7.3
Other residential			161,696				4.7				118,714				4.0				116,591				5.1				120,857				6.0				114,238				6.0
Commercial			557,912				16.2				533,783				18.0				425,302				18.5				405,943				20.1				378,381				19.9
Residential construction:
One- to four- family			19,947				0.5				31,878				1.1				30,038				1.3				34,225				1.7				50,723				2.6
Other residential			112,170				3.3				49,714				1.7				30,826				1.3				19,840				1.0				26,748				1.4
Commercial construction			174,454				5.0				119,060				4.0				80,493				3.5				71,389				3.5				78,078				4.1
Total real estate loans			1,187,852				34.4				995,549				33.6				830,965				36.1				804,958				39.8				787,126				41.3
Consumer			92,116				2.7				71,242				2.4				59,631				2.6				54,130				2.7				46,977				2.5
Other commercial			161,979				4.7				156,377				5.3				125,370				5.5				133,108				6.6				136,277				7.2
Total adjustable-rate loans			1,441,947				41.8				1,223,168				41.3				1,015,966				44.2				992,196				49.1				970,380				51.0
Total Loans			3,450,331				100.0	%			2,960,175				100.0	%			2,298,259				100.0	%			2,023,034				100.0	%			1,903,925				100.0	%
Less:
Loans in process			418,702								323,572								194,544								157,574								103,424
Deferred fees and discounts			3,528								3,276								2,994								2,192								2,726
Allowance for loan losses			36,646								36,300								40,116								40,649								41,232
Total legacy loans receivable, net		$	2,991,455							$	2,597,027							$	2,060,605							$	1,822,619							$	1,756,543

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars In Thousands)
Fixed-Rate Loans:
Real Estate Loans
One- to four- family		$	1,946				6.7	%		$	2,585				5.9	%		$	3,596				6.7	%		$	5,420				6.3	%		$	7,739				4.7	%
Other residential			957				3.3				989				2.3				1,012				1.9				3,902				4.5				5,288				3.2
Commercial			3,352				11.5				5,114				11.7				4,854				9.1				17,125				19.8				53,344				32.1
Construction			413				1.4				413				0.9				1,346				2.5				2,637				3.0				14,631				8.8
Total real estate loans			6,668				22.9				9,101				20.8				10,808				20.2				29,084				33.6				81,002				48.8
Consumer			28				0.1				41				0.1				73				0.1				159				0.2				444				0.3
Other commercial			200				0.7				264				0.5				668				1.3				1,557				1.8				4,897				2.9
Total fixed-rate loans			6,896				23.7				9,406				21.4				11,549				21.6				30,800				35.6				86,343				52.0
Adjustable-Rate Loans:
Real Estate Loans
One- to four- family			7,750				26.6				9,708				22.1				11,454				21.4				14,189				16.4				17,380				10.5
Other residential			35				0.1				94				0.2				151				0.3				618				0.7				998				0.6
Commercial			8,520				29.3				16,093				36.6				19,828				37.0				24,346				28.1				36,011				21.7
Construction			3,503				12.0				4,844				11.1				5,650				10.5				10,034				11.5				13,951				8.4
Total real estate loans			19,808				68.0				30,739				70.0				37,083				69.2				49,187				56.7				68,340				41.2
Consumer			2,147				7.4				3,305				7.6				4,190				7.8				4,989				5.8				5,722				3.4
Other commercial			265				0.9				410				1.0				736				1.4				1,686				1.9				5,598				3.4
Total adjustable-rate loans			22,220				76.3				34,454				78.6				42,009				78.4				55,862				64.4				79,660				48.0
Total Loans			29,116				100.0	%			43,860				100.0	%			53,558				100.0	%			86,662				100.0	%			166,003				100.0	%
Less:
Loans in process			2								5								5								5								1,719
Allowance for loan losses			205								415								—								—								—
Fair value discounts			1,454								2,295								3,691								9,042								35,409
Total loans receivable, net		$	27,455							$	41,145							$	49,862							$	77,615							$	128,875

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars In Thousands)
Fixed-Rate Loans:
Real Estate Loans
One- to four- family		$	4,272				13.4	%		$	6,427				15.2	%		$	9,204				15.3	%		$	13,111				12.4	%		$	22,134				14.8	%
Other residential			571				1.8				1,508				3.6				4,783				8.0				7,542				7.1				6,477				4.3
Commercial			3,027				9.5				3,982				9.4				4,773				8.0				13,136				12.4				22,744				15.2
Construction			240				0.7				264				0.7				288				0.5				792				0.7				581				0.4
Total real estate loans			8,110				25.4				12,181				28.9				19,048				31.8				34,581				32.6				51,936				34.7
Consumer			5,593				17.6				7,739				18.4				10,692				17.8				14,941				14.1				21,083				14.1
Other commercial			150				0.5				227				0.5				742				1.2				2,097				2.0				3,454				2.3
Total fixed-rate loans			13,853				43.5				20,147				47.8				30,482				50.8				51,619				48.7				76,473				51.1
Adjustable-Rate Loans:
Real Estate Loans
One- to four- family			5,973				18.8				7,416				17.6				9,795				16.3				13,049				12.3				15,876				10.6
Other residential			974				3.1				1,027				2.4				1,640				2.7				7,892				7.5				12,133				8.1
Commercial			6,496				20.4				7,883				18.8				10,648				17.7				22,295				21.1				25,808				17.3
Construction			9				—				20				—				31				0.1				760				0.8				4,031				2.7
Total real estate loans			13,452				42.3				16,346				38.8				22,114				36.8				43,996				41.7				57,848				38.7
Consumer			4,378				13.8				5,104				12.1				5,845				9.7				7,275				6.9				8,639				5.8
Other commercial			135				0.4				541				1.3				1,573				2.7				2,870				2.7				6,510				4.4
Total adjustable-rate loans			17,965				56.5				21,991				52.2				29,532				49.2				54,141				51.3				72,997				48.9
Total Loans			31,818				100.0	%			42,138				100.0	%			60,014				100.0	%			105,760				100.0	%			149,470				100.0	%
Less:
Loans in process			—								—								3								1,851								255
Allowance for loan losses			325								398								—								—								—
Fair value discounts			726								1,141								2,091								8,426								26,179
Total loans receivable, net		$	30,767							$	40,599							$	57,920							$	95,483							$	123,036

		December 31,
		2015								2014								2013								2012								2011
		Amount				%				Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars In Thousands)
Fixed-Rate Loans:
Real Estate Loans
One- to four- family		$	21,200				48.3	%		$	25,490				42.7	%		$	33,335				42.4	%		$	45,667				35.8	%		$	66,635				30.6	%
Other residential			710				1.6				1,063				1.8				1,468				1.9				2,491				2.0				16,790				7.7
Commercial			10,118				23.1				16,786				28.1				22,171				28.2				36,759				28.8				57,576				26.5
Construction			402				0.9				368				0.6				637				0.7				2,714				2.2				25,191				11.6
Total real estate loans			32,430				73.9				43,707				73.2				57,611				73.2				87,631				68.8				166,192				76.4
Consumer			342				0.8				394				0.7				798				1.0				2,042				1.6				3,690				1.7
Other commercial			877				2.0				953				1.6				1,781				2.3				7,875				6.2				20,737				9.5
Total fixed-rate loans			33,649				76.7				45,054				75.5				60,190				76.5				97,548				76.6				190,619				87.6
Adjustable-Rate Loans:
Real Estate Loans
One- to four- family			6,613				15.1				7,039				11.8				8,194				10.4				9,755				7.7				4,212				1.9
Other residential			925				2.1				3,909				6.5				4,020				5.1				4,124				3.2				690				0.3
Commercial			2,600				5.9				3,430				5.7				5,255				6.7				8,508				6.7				4,816				2.2
Construction			—				—				—				—				636				0.8				1,757				1.3				9,427				4.4
Total real estate loans			10,138				23.1				14,378				24.0				18,105				23.0				24,144				18.9				19,145				8.8
Consumer			39				0.1				37				—				60				0.1				153				0.1				—				—
Other commercial			29				0.1				323				0.5				343				0.4				5,573				4.4				7,785				3.6
Total adjustable-rate loans			10,206				23.3				14,738				24.5				18,508				23.5				29,870				23.4				26,930				12.4
Total Loans			43,855				100.0	%			59,792				100.0	%			78,698				100.0	%			127,418				100.0	%			217,549				100.0	%
Less:
Loans in process			—								175								174								485								—
Allowance for loan losses			161								918								—								—								—
Fair value discounts			3,506								7,451								13,681								35,414								72,923
Total loans receivable, net		$	40,188							$	51,248							$	64,843							$	91,519							$	144,626

		December 31,
		2015								2014								2013								2012
		Amount				%				Amount				%				Amount				%				Amount				%
		(Dollars in Thousands)
Fixed-Rate Loans:
Real Estate Loans
One- to four- family		$	52,387				27.1	%		$	65,863				26.9	%		$	77,181				27.1	%		$	88,573				24.8	%
Other residential			2,806				1.4				2,187				0.9				3,059				1.1				4,866				1.4
Commercial			1,060				0.5				1,118				0.5				997				0.3				2,049				0.6
Construction			495				0.3				630				0.2				489				0.2				—				—
Total real estate loans			56,748				29.3				69,798				28.5				81,726				28.7				95,488				26.8
Consumer loans			158				0.1				596				0.2				846				0.3				673				0.2
Other commercial loans			—				—				—				—				—				—				4				—
Total fixed-rate loans			56,906				29.4				70,394				28.7				82,572				29.0				96,165				27.0
Adjustable-Rate Loans:
Real Estate Loans
One- to four- family			82,530				42.6				91,907				37.5				102,393				35.9				127,195				35.6
Other residential			5,623				2.9				20,437				8.4				26,458				9.3				41,014				11.5
Commercial			13,145				6.8				20,703				8.4				26,533				9.3				31,153				8.8
Construction			103				0.1				115				0.1				123				0.1				133				—
Total real estate loans			101,401				52.4				133,162				54.4				155,507				54.6				199,495				55.9
Consumer loans			35,287				18.2				41,359				16.9				46,833				16.4				61,120				17.1
Other commercial loans			62				—				64				—				65				—				66				—
Total adjustable-rate loans			136,750				70.6				174,585				71.3				202,405				71.0				260,681				73.0
Total loans			193,656				100.0	%			244,979				100.0	%			284,977				100.0	%			356,846				100.0	%
Less:
Loans in process			2								2								2								2
Allowance for loan losses			74								1								—								—
Fair value discounts			23,346								43,147								71,436								97,612
Total InterBank loans receivable, net		$	170,234							$	201,829							$	213,539							$	259,232

		December 31,
		2015								2014
		Amount				%				Amount				%
		(Dollars in Thousands)
Fixed-Rate Loans:
Real Estate Loans:
One- to four- family		$	19,651				17.9	%		$	28,304				19.3	%
Other residential			20,507				18.7				18,503				12.6
Commercial			14,698				13.4				27,055				18.5
Construction			4,308				3.9				11,093				7.8
Total real estate loans			59,164				53.9				84,955				58.2
Consumer loans			1,440				1.3				2,024				1.4
Other commercial loans			5,772				5.3				10,652				7.3
Total fixed-rate loans			66,376				60.5				97,631				66.9
Adjustable-Rate Loans:
Real Estate Loans:
One- to four- family			10,995				10.0				11,360				7.8
Other residential			5,379				4.9				4,197				2.9
Commercial			16,445				15.0				17,115				11.7
Construction			1,614				1.4				2,577				1.6
Total real estate loans			34,433				31.3				35,249				24.0
Consumer loans			1,154				1.1				1,688				1.1
Other commercial loans			7,841				7.1				11,726				8.0
Total adjustable-rate loans			43,428				39.5				48,663				33.1
Total loans			109,804				100.0	%			146,294				100.0	%
Less:
Loans in process			13								449
Allowance for loan losses			738								403
Fair value discounts			16,355								23,863
Total Valley Bank loans receivable, net		$	92,698							$	121,579

	Less Than One Year					One to Five Years				After Five Years				Total
	(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	35,059			$	106,749			$	130,603			$	272,411
Other residential			38,758				334,220				46,572				419,550
Commercial			207,822				688,739				184,275				1,080,836
Residential construction:
One- to four- family			23,833				12,240				357				36,430
Other residential			15,654				95,772				22,292				133,718
Commercial construction			408,974				135,333				6,808				551,115
Total real estate loans			730,100				1,373,053				390,907				2,494,060
Other Loans:
Consumer loans:
Automobile and other			33,885				286,279				194,560				514,724
Home equity and improvement			7,824				22,430				53,712				83,966
Total consumer loans			41,709				308,709				248,272				598,690
Other commercial loans			137,559				148,722				71,300				357,581
Total other loans			179,268				457,431				319,572				956,271
Total loans		$	909,368			$	1,830,484			$	710,479			$	3,450,331

	Less Than One Year					One to Five Years				After Five Years				Total
	(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	516			$	1,318			$	7,862			$	9,696
Other residential			35				709				248				992
Commercial			930				5,881				5,061				11,872
Construction			23				2,868				1,025				3,916
Total real estate loans			1,504				10,776				14,196				26,476
Other Loans:
Consumer loans:
Home equity and improvement			633				1,505				—				2,138
Automobile and other			37				—				—				37
Total consumer loans			670				1,505				—				2,175
Other commercial loans			332				93				40				465
Total other loans			1,002				1,598				40				2,640
Total loans		$	2,506			$	12,374			$	14,236			$	29,116

	Less Than One Year					One to Five Years				After Five Years				Total
	(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	671			$	2,531			$	7,043			$	10,245
Other residential			—				571				974				1,545
Commercial			1,951				1,506				6,066				9,523
Construction			9				225				15				249
Total real estate loans			2,631				4,833				14,098				21,562
Other Loans:
Consumer loans:
Student loans			481				—				—				481
Home equity and improvement			—				128				4,250				4,378
Automobile and other			63				1,423				3,626				5,112
Total consumer loans			544				1,551				7,876				9,971
Other commercial loans			42				159				84				285
Total other loans			586				1,710				7,960				10,256
Total loans		$	3,217			$	6,543			$	22,058			$	31,818

		Less Than One Year				One to Five Years				After Five Years				Total
		(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	10,649			$	4,912			$	12,252			$	27,813
Other residential			677				958				—				1,635
Commercial			5,645				6,083				990				12,718
Construction			132				197				73				402
Total real estate loans			17,103				12,150				13,315				42,568
Other Loans:
Consumer loans:
Home equity and improvement			309				35				—				344
Automobile and other			28				9				—				37
Total consumer loans			337				44				—				381
Other commercial loans			751				155				—				906
Total other loans			1,088				199				—				1,287
Total loans		$	18,191			$	12,349			$	13,315			$	43,855

		Less Than One Year				One to Five Years				After Five Years				Total
		(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	10,117			$	13,778			$	111,022			$	134,917
Other residential			4,109				4,285				35				8,429
Commercial			8,963				5,242				—				14,205
Construction			331				164				103				598
Total real estate loans			23,520				23,469				111,160				158,149
Other Loans:
Consumer loans:
Home equity and improvement			440				18,763				16,212				35,415
Automobile and other			1				—				29				30
Total consumer loans			441				18,763				16,241				35,445
Other commercial loans			—				—				62				62
Total other loans			441				18,763				16,303				35,507
Total loans		$	23,961			$	42,232			$	127,463			$	193,656

		Less Than One Year				One to Five Years				After Five Years				Total
		(In Thousands)
Real Estate Loans:
Residential
One- to four- family		$	11,854			$	6,039			$	12,753			$	30,646
Other residential			9,249				4,733				11,904				25,886
Commercial			15,122				14,132				1,889				31,143
Construction			3,982				1,792				148				5,922
Total real estate loans			40,207				26,696				26,694				93,597
Other Loans:
Consumer loans:
Home equity and improvement			190				54				988				1,232
Automobile and other			178				441				743				1,362
Total consumer loans			368				495				1,731				2,594
Other commercial loans			8,540				5,017				56				13,613
Total other loans			8,908				5,512				1,787				16,207
Total loans		$	49,115			$	32,208			$	28,481			$	109,804

Collateral Type	Loan Balance	Percentage of Total Loan Portfolio	Non-Performing Loans at December 31, 2015
(Dollars In Thousands)
Retail (Varied Projects)	$424,225	14.1%	$       0
Office Industry	$195,007	6.5%	$   510
Health Care Facilities	$164,754	5.5%	$7,164
Warehouses	$141,243	4.7%	$  266
Motels/Hotels	$103,947	3.4%	$4,174

		December 31, 2015
Asset Category		Special Mention				Substandard				Doubtful				Loss				Total Classified				Allowance for Losses
		(In Thousands)
Investment securities		$	—			$	—			$	—			$	—			$	—			$	—
Loans			8,400				31,325				—				—				39,725				6,093
Foreclosed assets			—				27,391				—				—				27,391				—
Total		$	8,400			$	58,716			$	—			$	—			$	67,116			$	6,093

		December 31, 2014
Asset Category		Substandard				Doubtful				Loss				Total Classified				Allowance for Losses
		(In Thousands)
Investment securities		$	—			$	—			$	—			$	—			$	—
Loans			34,280				—				—				34,280				5,142
Foreclosed assets			35,541				—				—				35,541				—
Total		$	69,821			$	—			$	—			$	69,821			$	5,142

(1)	The largest two relationships in this category were $6.5 million and $3.7 million, respectively, at December 31, 2015.
(2)	The largest two relationships in this category were $2.0 million and $1.9 million, respectively, at December 31, 2014.
(3)	One relationship was $4.1 million of this total at December 31, 2013.
(4)	One relationship was $3.7 million of this total at December 31, 2012.
(5)	The largest loan in this category had a balance of $2.5 million at December 31, 2011.
(6)	One relationship was $2.7 million of this total at December 31, 2013.
(7)	One relationship was $2.6 million of this total at December 31, 2012.
(8)	One relationship was $3.6 million of this total at December 31, 2011.

		December 31, 2015
		Restructured				Accruing				Restructured Troubled
		Troubled Debt				Interest				Debt Nonaccruing
		(In Thousands)
Commercial real estate		$	21,304			$	15,936			$	5,368
One- to four-family residential			3,988				3,456				532
Other residential			9,533				9,533				—
Construction			7,902				7,902				—
Commercial			1,977				1,977				—
Consumer			311				168				143
		$	45,015			$	38,972			$	6,043

		December 31, 2014
		Restructured				Accruing				Restructured Troubled
		Troubled Debt				Interest				Debt Nonaccruing
		(In Thousands)
Commercial real estate		$	23,342			$	16,576			$	6,766
One- to four-family residential			3,923				2,856				1,067
Other residential			9,804				9,804				—
Construction			8,307				8,104				203
Commercial			1,923				1,682				241
Consumer			324				190				134
		$	47,623			$	39,212			$	8,411

	December 31,
	2015					2014				2013				2012				2011
	(Dollars In Thousands)
Balance at beginning of period		$	38,435			$	40,116			$	40,649			$	41,232			$	41,487
Charge-offs:
One- to four-family residential			80				2,251				2,196				3,203				2,666
Other residential			2				1				3,248				3,579				8,019
Commercial real estate			2,584				2,160				9,836				18,010				13,862
Construction			329				126				788				18,027				9,770
Other commercial			1,202				3,286				4,072				3,082				3,496
Consumer, overdrafts and other loans			5,315				4,005				3,312				2,390				2,842
Total charge-offs			9,512				11,829				23,452				48,291				40,655
Recoveries:
One- to four-family residential			97				496				113				227				38
Other residential			58				37				43				347				1,547
Commercial real estate			302				3,139				2,412				701				57
Construction			405				181				172				882				455
Other commercial			276				105				1,023				307				1,891
Consumer, overdrafts and other loans			2,569				2,039				1,770				1,381				1,076
Total recoveries			3,707				5,997				5,533				3,845				5,064
Net charge-offs			5,805				5,832				17,919				44,446				35,591
Provision for losses on loans			5,519				4,151				17,386				43,863				35,336
Balance at end of period		$	38,149			$	38,435			$	40,116			$	40,649			$	41,232
Ratio of net charge-offs to average loans outstanding			0.20	%			0.24	%			0.91	%			2.43	%			2.09	%

		December 31, 2015
		Amortized				Gross Unrealized				Gross Unrealized				Fair
		Cost				Gains				Losses				Value
		(In Thousands)
AVAILABLE-FOR-SALE SECURITIES:
U.S. government agencies		$	20,000			$	—			$	219			$	19,781
Mortgage-backed securities			159,777				2,038				601				161,214
States and political subdivisions			72,951				5,081				1				78,031
Other securities			847				2,983				—				3,830
		$	253,575			$	10,102			$	821			$	262,856
HELD-TO-MATURITY SECURITIES
States and political subdivisions		$	353			$	31			$	—			$	384

		December 31, 2014
		Amortized				Gross Unrealized				Gross Unrealized				Fair
		Cost				Gains				Losses				Value
		(In Thousands)
AVAILABLE-FOR-SALE SECURITIES:
U.S. government agencies		$	20,000			$	—			$	486			$	19,514
Mortgage-backed securities			254,294				4,325				821				257,798
States and political subdivisions			79,237				5,810				7				85,040
Other securities			847				2,307				—				3,154
		$	354,378			$	12,442			$	1,314			$	365,506
HELD-TO-MATURITY SECURITIES
States and political subdivisions		$	450			$	49			$	—			$	499

		December 31, 2013
		Amortized				Gross Unrealized				Gross Unrealized				Fair
		Cost				Gains				Losses				Value
		(In Thousands)
AVAILABLE-FOR-SALE SECURITIES:
U.S. government agencies		$	20,000			$	—			$	2,745			$	17,255
Mortgage-backed securities			365,020				4,824				2,266				367,578
Small Business Administration loan pools			43,461				1,394				—				44,855
States and political subdivisions			122,113				2,549				1,938				122,724
Other securities			847				2,022				—				2,869
		$	551,441			$	10,789			$	6,949			$	555,281
HELD-TO-MATURITY SECURITIES
States and political subdivisions		$	805			$	107			$	—			$	912

		Cost				Tax-Equivalent Amortized Yield				Fair Value
		(Dollars In Thousands)
After one through five years		$	619				6.23	%		$	649
After five through ten years			3,566				6.30	%			3,715
After ten years			88,766				4.85	%			93,448
Securities not due on a single maturity date			159,777				2.09	%			161,214
Other securities			847				0.00	%			3,830
Total		$	253,575				3.12	%		$	262,856

		One Year or Less				After One Through Five Years				After Five Through Ten Years				After Ten Years				Securities Not Due on a Single Maturity Date				Other Securities				Total
		(In Thousands)
U.S. government agencies		$	—			$	—			$	—			$	19,781			$	—			$	—			$	19,781
Mortgage-backed securities			—				—				—				—				161,214				—				161,214
States and political subdivisions			—				649				3,715				73,667				—				—				78,031
Equity securities			—				—				—				—				—				3,830				3,830
Total		$	—			$	649			$	3,715			$	93,448			$	161,214			$	3,830			$	262,856

	Cost					Tax-Equivalent Amortized Yield				Approximate Fair Value
	(Dollars In Thousands)
After one through five years		$	353				7.37	%		$	384

		2015
		Less than 12 Months								12 Months or More								Total
		Fair				Unrealized				Fair				Unrealized				Fair				Unrealized
Description of Securities		Value				Losses				Value				Losses				Value				Losses
		(In Thousands)
U.S. government agencies		$	20,000			$	(219	)		$	—			$	—			$	20,000			$	(219	)
Mortgage-backed securities			45,494				(348	)			9,635				(253	)			55,129				(601	)
States and political subdivisions			—				—				910				(1	)			910				(1	)
		$	65,494			$	(567	)		$	10,545			$	(254	)		$	76,039			$	(821	)

		2014
		Less than 12 Months								12 Months or More								Total
		Fair				Unrealized				Fair				Unrealized				Fair				Unrealized
Description of Securities		Value				Losses				Value				Losses				Value				Losses
		(In Thousands)
U.S. government agencies		$	—			$	—			$	20,000			$	(486	)		$	20,000			$	(486	)
Mortgage-backed securities			40,042				(328	)			45,056				(493	)			85,098				(821	)
States and political subdivisions			—				—				925				(7	)			925				(7	)
		$	40,042			$	(328	)		$	65,981			$	(986	)		$	106,023			$	(1,314	)

		2013
		Less than 12 Months								12 Months or More								Total
		Fair				Unrealized				Fair				Unrealized				Fair				Unrealized
Description of Securities		Value				Losses				Value				Losses				Value				Losses
		(In Thousands)
U.S. government agencies		$	20,000			$	(2,745	)		$	—			$	—			$	20,000			$	(2,745	)
Mortgage-backed securities			127,901				(1,871	)			39,255				(395	)			167,156				(2,266	)
States and political subdivisions			50,401				(1,938	)			—				—				50,401				(1,938	)
		$	198,302			$	(6,554	)		$	39,255			$	(395	)		$	237,557			$	(6,949	)