Exhibit 99.1

PRESS RELEASE

FOR IMMEDIATE RELEASE

Contact: Keishi High, Investor Relations Officer
817-367-4640
Keishi.High@OmniAmerican.com

OMNIAMERICAN BANCORP, INC. REPORTS
SECOND QUARTER 2011 EARNINGS

Fort Worth, Texas — August 1, 2011 — OmniAmerican Bancorp, Inc. (NASDAQ: OABC) (the “Company”), the holding company for OmniAmerican Bank, announced financial results today for the three and six month periods ended June 30, 2011. Second quarter 2011 net income of $1.2 million, or $0.11 per basic and diluted share, increased by $610,000, or 100.5%, over second quarter 2010 net income of $607,000, or $0.06 per basic and diluted share. Net income increased to $1.7 million, or $0.16 per share, for the six months ended June 30, 2011, compared to $1.1 million, or $0.10 per share for the six months ended June 30, 2010. The Company had average outstanding shares (basic) of 10,874,089 and 10,925,081 for the three and six month periods ended June 30, 2011 as compared with 10,966,170 and 10,961,409 for the three and six month periods ended June 30, 2010. For the second quarter of 2011, annualized returns on average assets and average equity were 0.36% and 2.43%, respectively, compared to 0.22% and 1.22% for the same period of 2010. Information at and for the three and six month periods ended June 30, 2011 is unaudited.

Net income for the second quarter of 2011 was positively affected by an $850,000 decrease in the provision for loan losses, primarily due to a decrease in net charge-offs, and a $830,000 increase in net interest income, primarily due to an increase in the average balance of interest-earning assets. Net income was negatively affected by a $476,000 increase in noninterest expense, primarily attributable to a $1.1 million increase in net loss on write-down of the values of other real estate owned properties, and a $298,000 decrease in noninterest income, related primarily to a decrease in insufficient funds fee income.

A share repurchase program was authorized by our Board of Directors during the first quarter of 2011, under which the Company may repurchase up to 595,125 shares of its common stock. As of June 30, 2011, 240,830 shares of common stock had been repurchased under this program at an average cost of $15.02 per share.

A share-based compensation program was authorized by our Board of Directors and approved by shareholders during the second quarter of 2011, under which the Company has indicated it may grant up to 1,190,250 options to purchase common stock and 476,100 restricted shares of common stock. As of June 30, 2011, 373,552 options to purchase common stock and 118,738 restricted shares of common stock had been granted under this program, which resulted in share-based compensation expense of approximately $43,000.

Financial Condition as of June 30, 2011 Compared with December 31, 2010

Total assets increased $219.6 million, or 19.8%, to $1.33 billion at June 30, 2011 from $1.11 billion at December 31, 2010. The increase resulted primarily from increases of $229.4 million in securities classified as available for sale and $10.5 million in other investments, partially offset by decreases of $11.9 million in cash and cash equivalents and of $3.7 million in other real estate owned.

Cash and cash equivalents decreased $11.9 million, or 48.4%, to $12.7 million at June 30, 2011 from $24.6 million at December 31, 2010. The decrease reflects $340.8 million in cash used to purchase securities classified as available for sale, $133.3 million used to originate loans, and $11.1 million in cash used to purchase other investments, partially offset by increases due to $211.0 million in cash received from Federal Home Loan Bank advances, $116.0 million received in proceeds from sales, principal repayments, and maturities of securities, $108.3 million from loan principal repayments, and $25.6 million in proceeds from the sale of loans during the six months ended June 30, 2011.

Securities available for sale increased $229.4 million, or 72.2%, to $547.2 million at June 30, 2011 from $317.8 million at December 31, 2010, primarily due to purchases of $340.8 million. Of this amount, purchases of $205.4 million related to a leveraging strategy we commenced in March 2011. This strategy is intended to enhance earnings by capitalizing on a favorable interest rate spread between mortgage-backed securities and laddered maturity advances from the Federal Home Loan Bank at a time when the relatively weak economy and our conservative underwriting practices does not enable us to obtain the same loan originations we would obtain in a stronger economy. The investments purchased as part of the investment strategy are relatively short-term fixed rate investments with an average term of 3.99 years. The increase in securities available for sale due to purchases was partially offset by sales of $71.8 million and principal repayments and maturities of $44.2 million.

Other investments increased $10.5 million, or 338.7%, to $13.6 million at June 30, 2011 from $3.1 million at December 31, 2010, primarily due to the purchase of additional Federal Home Loan Bank of Dallas stock of $9.4 million as a required investment associated with the $211.0 million increase in Federal Home Loan Bank advances.

Loans, net of the allowance for loan losses and deferred fees and discounts, decreased $107,000, or less than 1.0%, to $660.3 million at June 30, 2011 from $660.4 million at December 31, 2010. The decrease in loans includes a $10.2 million decrease in one- to four-family residential mortgage loans and a $4.4 million decrease in commercial business loans, substantially offset by a $7.6 million increase in real estate construction loans and an $8.0 million increase in automobile loans. We sold $18.9 million of one- to four-family residential mortgage loans, a $2.2 million commercial real estate loan, and a $4.3 million commercial business loan during the six months ended June 30, 2011. We continue to monitor the composition of our loan portfolio and seek to obtain a reasonable return while containing the potential for risk of loss.

Deposits decreased $5.6 million, or 0.7%, to $795.6 million at June 30, 2011 from $801.2 million at December 31, 2010. The decrease in deposits was primarily attributable to a decrease in certificates of deposits, partially offset by increases in checking and savings deposits. Certificates of deposit decreased $24.3 million, or 7.1%, to $318.7 million at June 30, 2011 from $343.0 million at December 31, 2010. The decrease in certificates of deposits resulted from rate sensitive customers whose certificates of deposit matured and were not renewed. Checking and savings deposits increased by $19.8 million, or 5.5%, to $377.2 million at June 30, 2011 from $357.4 million at December 31, 2010, reflecting our marketing efforts of these account products which included greater efforts to cross-sell these products to our borrowing customers.

Federal Home Loan Bank advances increased $211.0 million, or 514.6%, to $252.0 million at June 30, 2011 from $41.0 million at December 31, 2010, reflecting additional borrowings used to purchase available for sale securities as part of our leveraging strategy. Other secured borrowings also increased due to federal funds purchased of $10.9 million at June 30, 2011. At June 30, 2011 and December 31, 2010, other secured borrowings totaled $68.9 million and $58.0 million, respectively.

Stockholders’ equity was $201.3 million at June 30, 2011 compared to $198.6 million at December 31, 2010, reflecting an increase of $2.7 million, or 1.4%. The increase resulted primarily from a $4.2 million increase in accumulated other comprehensive income and $1.7 million of net income for the six months ended June 30, 2011, partially offset by a decrease due to open market purchases of 240,830 shares of our common stock at a cost of $3.6 million during the six months ended June 30, 2011.

Asset Quality as of June 30, 2011 Compared with December 31, 2010

Non-performing assets increased $789,000, or 3.3%, to $25.0 million, or 1.89% of total assets at June 30, 2011 from $24.3 million, or 2.19% of total assets, as of December 31, 2010. The increase in non-performing assets reflects an increase in nonaccrual loans of $4.3 million, partially offset by a net decrease of $3.7 million in other real estate owned primarily due to the sales of eight properties totaling $2.8 million and a $1.5 million write-down of nine properties to the current fair values less costs to sell, partially offset by the reclassification of three loans totaling $659,000 to other real estate owned.

Operating Results for the Three Months Ended June 30, 2011 Compared with the Three Months Ended June 30, 2010

Net income increased to $1.2 million, or $0.11 per share, for the three months ended June 30, 2011, compared to $607,000, or $0.06 per share for the three months ended June 30, 2010.

Net interest income increased by $830,000, or 8.3%, to $10.8 million for the quarter ended June 30, 2011 from $10.0 million for the quarter ended June 30, 2010, primarily due to an increase in total interest income and a decrease in total interest expense. Total interest income increased $730,000, or 5.4%, to $14.2 million for the quarter ended June 30, 2011 from $13.5 million for the quarter ended June 30, 2010, primarily due to a $203.6 million increase in the average balance of interest-earning assets (primarily investment securities), partially offset by a 62 basis point decrease in the average yield on interest-earning assets. Total interest expense decreased by $100,000, or 2.9%, to $3.4 million for the quarter ended June 30, 2011 from $3.5 million for the quarter ended June 30, 2010, primarily due to a 38 basis point decrease in the average rate paid on interest-bearing liabilities, partially offset by a $217.7 million increase in the average balance of interest-bearing liabilities.

The provision for loan losses decreased by $850,000, or 56.7%, to $600,000 for the quarter ended June 30, 2011 from $1.5 million for the quarter ended June 30, 2010. The provision for loan losses is charged to operations to bring the allowance for loan losses to a level that reflects management’s best estimate of the losses inherent in the portfolio. An evaluation of the loan portfolio, current economic conditions and other factors is performed at each balance sheet date. The decrease in the provision for loan losses is deemed to be appropriate. Total loans decreased $20.5 million, or 3.0%, to $668.4 million at June 30, 2011 from $688.9 million at June 30, 2010. Net charge-offs decreased $1.4 million, to $792,000 for the three months ended June 30, 2011 from $2.1 million for the three months ended June 30, 2010. The allowance for loan losses was $8.6 million, or 1.29% of total loans receivable, at June 30, 2011, compared to $8.0 million, or 1.16% of total loans receivable, at June 30, 2010.

Noninterest income decreased by $298,000, or 8.5%, to $3.2 million for the quarter ended June 30, 2011 from $3.5 million for the quarter ended June 30, 2010, primarily due to a decrease in gains on sales of loans of $318,000, resulting primarily from the sale of a substandard commercial business loan at a loss of $212,000, and a decrease in service charges and other fees of $182,000, related primarily to a decline in insufficient funds fee income. These decreases were partially offset by a $240,000 increase in the cash surrender value of bank-owned life insurance resulting from the purchase of life insurance policies on certain key employees in November 2010.

Noninterest expense increased by $476,000, or 4.3%, to $11.6 million for the quarter ended June 30, 2011 from $11.1 million for the quarter ended June 30, 2010, primarily due to a $1.1 million increase in net loss on write-down of other real estate owned and a $294,000 increase in salaries and benefits expense, partially offset by a $345,000 decrease in professional and outside services expense and a $317,000 decrease in software and equipment maintenance. The increase in net loss on write-down of other real estate owned is primarily attributable to the write-down of seven properties to their current fair value less costs to sell during the quarter ended June 30, 2011. The increase in salaries and benefits expense is primarily due to higher health insurance expense, increase in lending staff, annual salary increases, and compensation costs related to the employee stock ownership plan. The decrease in professional and outside services expense related primarily to refunds received and a reduction in rates charged for services provided by our debit card vendor as a result of a contract renegotiation. The decrease in software and equipment maintenance expense resulted from a reduction in maintenance expenses related to ATMs following a contract renegotiation.

Operating Results for the Six Months Ended June 30, 2011 Compared with the Six Months Ended June 30, 2010

Net income increased to $1.7 million, or $0.16 per share, for the six months ended June 30, 2011, compared to $1.1 million, or $0.10 per share for the six months ended June 30, 2010. OmniAmerican Bank completed its mutual to stock conversion on January 20, 2010. The earnings per share for the six months ended June 30, 2010 is calculated as if the conversion had been completed prior to January 1, 2010.

Net interest income increased by $749,000, or 3.8%, to $20.4 million for the six months ended June 30, 2011 from $19.6 million for the six months ended June 30, 2010, primarily due to a decrease in total interest expense and an increase in total interest income. Total interest expense decreased by $388,000, or 5.5%, to $6.6 million for the six months ended June 30, 2011 from $7.0 million for the six months ended June 30, 2010, primarily due to a 33 basis point decrease in the average rate paid on interest-bearing liabilities, partially offset by a $138.5 million increase in the average balance of interest-bearing liabilities. Total interest income increased $361,000, or 1.4%, to $27.0 million for the six months ended June 30, 2011 from $26.6 million for the six months ended June 30, 2010, primarily due to a $122.1 million increase in the average balance of interest-earning assets, partially offset by a 49 basis point decrease in the average yield on interest-earning assets.

The provision for loan losses decreased by $1.3 million, or 56.5%, to $1.0 million for the six months ended June 30, 2011 from $2.3 million for the six months ended June 30, 2010. The provision for loan losses is charged to operations to bring the allowance for loan losses to a level that reflects management’s best estimate of the losses inherent in the portfolio. An evaluation of the loan portfolio, current economic conditions and other factors is performed at each balance sheet date. The decrease in the provision for loan losses is deemed to be appropriate as credit quality trends have stabilized and the loan portfolio has decreased. Total loans decreased $20.5 million, or 3.0%, to $668.4 million at June 30, 2011 from $688.9 million at June 30, 2010. Net charge-offs decreased $1.3 million, to $1.3 million for the six months ended June 30, 2011 from $2.6 million for the six months ended June 30, 2010. The allowance for loan losses was $8.6 million, or 1.29% of total loans receivable, at June 30, 2011, compared to $8.0 million, or 1.16% of total loans receivable, at June 30, 2010.

Noninterest income decreased $373,000, or 5.6%, to $6.3 million for the six months ended June 30, 2011 from $6.7 million for the six months ended June 30, 2010, primarily due to a $442,000 decrease in gains on sales of loans and a $402,000 decline in service charges and other fees, primarily related to a decline in insufficient funds fee income. These decreases were partially offset by a $476,000 increase in the cash surrender value of bank-owned life insurance resulting from the purchase of life insurance policies on certain key employees in November 2010.

Noninterest expense increased $795,000, or 3.5%, to $23.3 million for the six months ended June 30, 2011 from $22.5 million for the six months ended June 30, 2010, primarily due to a $1.5 million increase in net loss on write-downs of other real estate owned and a $601,000 increase in salaries and employee benefits, partially offset by a $417,000 decrease in software and equipment maintenance expense, a $206,000 decrease in professional and outside services, and a $175,000 decrease in FDIC insurance expense. The increase in salaries and benefits expense is primarily due to higher health insurance expense, increase in lending staff, annual salary increases, and compensation costs related to the employee stock ownership plan, partially offset by decreases in commission and incentive expense. The increase in net loss on write-downs of other real estate owned is primarily attributable to the write-down of nine properties to their current fair value less costs to sell during the six months ended June 30, 2011. The decrease in software and equipment maintenance expense resulted primarily from a reduction in maintenance expenses related to ATMs following a contract renegotiation. The decrease in professional and outside services expense was primarily due to refunds received and reductions in rates charged for services provided by our debit card vendor as a result of a contract renegotiation. The decrease in the FDIC insurance assessment for the six months ended June 30, 2011 compared to the six months ended June 30, 2010 was primarily attributable to a decrease in the general assessment rate applied to our insured deposits.

About OmniAmerican Bancorp, Inc.

OmniAmerican Bancorp is traded under the NASDAQ Global Market under the symbol “OABC” and is the holding company for OmniAmerican Bank, a full-service financial institution headquartered in Fort Worth, Texas. OmniAmerican Bank operates 15 full-service branches in the Dallas/Fort Worth Metroplex and offers a full array of consumer products and services plus business/commercial services, mortgages and retirement planning. Founded over 50 years ago, OmniAmerican Bank had $1.33 billion in assets at June 30, 2011 and is proud to provide the highest level of personal service. Electronic banking and additional information are available at www.OmniAmerican.com

Cautionary Statement About Forward-Looking Information

This news release contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,” “will,” “may” and words of similar meaning. These forward-looking statements include, but are not limited to statements of our goals, intentions and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the asset quality of our loan and investment portfolios; and estimates of our risks and future costs and benefits.

These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this earnings release.

The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: general economic conditions, either nationally or in our market areas, that are worse than expected; competition among depository and other financial institutions; inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments; adverse changes in the securities markets; changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to successfully integrate acquired entities, if any; changes in consumer spending, borrowing and savings habits; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Financial Accounting Standards Board, the Securities and Exchange Commission and the Public Company Accounting Oversight Board; changes in our organization, compensation and benefit plans; changes in our financial condition or results of operations that reduce capital available to pay dividends; changes in the financial condition or future prospects of issuers of securities that we own; and changes resulting from intense compliance and regulatory costs associated with the Dodd-Franck Wall Street Reform and Consumer Protection Act and the elimination of the Office of Thrift Supervision as our primary regulator.

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements.

OmniAmerican Bancorp, Inc. and Subsidiary

		June 30,				December 31,
		2011				2010
ASSETS
Cash and cash equivalents		$	12,700			$	24,597
Investments:
Securities available for sale at fair value			547,242				317,806
Other			13,566				3,060
Loans held for sale			628				861
Loans, net of deferred fees and discounts			668,956				669,357
Less allowance for loan losses			(8,638	)			(8,932	)
Loans, net			660,318				660,425
Premises and equipment, net			45,960				47,665
Bank-owned life insurance			20,554				20,078
Other real estate owned			11,136				14,793
Mortgage servicing rights			1,361				1,242
Deferred tax asset, net			4,098				6,935
Accrued interest receivable			3,987				3,469
Other assets			6,514				7,488
Total assets		$	1,328,064			$	1,108,419
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Noninterest-bearing		$	76,748			$	74,583
Interest-bearing			718,829				726,575
Total deposits			795,577				801,158
Federal Home Loan Bank advances			252,000				41,000
Other secured borrowings			68,878				58,000
Accrued expenses and other liabilities			10,333				9,634
Total liabilities			1,126,788				909,792
Commitments and contingencies
Stockholders’ equity:
Common stock			117				119
Additional paid-in capital			111,996				115,470
Unallocated Employee Stock Ownership Plan (“ESOP”) shares			(8,951	)			(9,141	)
Retained earnings			93,948				92,212
Accumulated other comprehensive income (loss)			4,166				(33	)
Total stockholders’ equity			201,276				198,627
Total liabilities and stockholders’ equity		$	1,328,064			$	1,108,419

OmniAmerican Bancorp, Inc. and Subsidiary

		Three Months Ended								Six Months Ended
		June 30,								June 30,
		2011				2010				2011				2010
Interest income:
Loans, including fees		$	9,785			$	10,675			$	19,890			$	21,317
Securities — taxable			4,402				2,770				7,088				5,275
Securities — nontaxable			—				12				—				25
Total interest income			14,187				13,457				26,978				26,617
Interest expense:
Deposits			1,862				2,463				3,848				4,876
Borrowed funds			1,542				1,041				2,737				2,097
Total interest expense			3,404				3,504				6,585				6,973
Net interest income			10,783				9,953				20,393				19,644
Provision for loan losses			600				1,450				1,000				2,250
Net interest income after provision for loan losses			10,183				8,503				19,393				17,394
Noninterest income:
Service charges and other fees			2,485				2,667				4,767				5,169
Net gains on sales of securities available for sale			—				—				11				91
Net gains on sales of loans			10				328				183				625
Net gains on sales of repossessed assets			—				8				22				25
Commissions			190				186				369				321
Increase in cash surrender value of bank-owned life insurance			240				—				476				—
Other income			253				282				499				464
Total noninterest income			3,178				3,471				6,327				6,695
Noninterest expense:
Salaries and benefits			5,663				5,369				11,642				11,042
Software and equipment maintenance			521				838				1,207				1,625
Depreciation of furniture, software and equipment			737				793				1,498				1,591
FDIC insurance			398				342				673				848
Net loss on write-down of other real estate owned			1,109				10				1,512				19
Real estate owned expense			103				156				211				312
Service fees			126				182				249				398
Communications costs			250				200				464				472
Other operations expense			987				989				1,877				1,799
Occupancy			862				967				1,764				1,927
Professional and outside services			655				1,000				1,636				1,842
Net losses on disposition of premises and equipment			5				—				5				—
Loan servicing			82				68				217				128
Marketing			111				214				316				468
Total noninterest expense			11,609				11,128				23,271				22,471
Income before income tax expense			1,752				846				2,449				1,618
Income tax expense			535				239				713				478
Net income		$	1,217			$	607			$	1,736			$	1,140
Earnings per share:
Basic		$	0.11			$	0.06			$	0.16			$	0.10	(1)
Diluted		$	0.11			$	0.06			$	0.16			$	0.10	(1)

(1)		The Company completed its mutual to stock conversion on January 20, 2010. The earnings per share for the six months ended June 30, 2010 is calculated as if the conversion had been completed prior to January 1, 2010.

OmniAmerican Bancorp, Inc. and Subsidiary

		At or For the Three Months Ended
		June 30,				March 31,				December 31,				September 30,				June 30,
		2011				2011				2010				2010				2010
Share Data for Earnings per Share Calculation:
Weighted average common shares outstanding			11,772,331				11,884,456				11,902,500				11,902,500				11,902,500
Less: Average unallocated ESOP shares			(898,242	)			(907,764	)			(917,286	)			(926,808	)			(936,330	)
Basic average shares			10,874,089				10,976,692				10,985,214				10,975,692				10,966,170
Add: Dilutive effects of share-based compensation			163				—				—				—				—
Diluted average shares			10,874,252				10,976,692				10,985,214				10,975,692				10,966,170
Net income		$	1,217			$	519			$	316			$	202			$	607
Basic earnings per share		$	0.11			$	0.05			$	0.03			$	0.02			$	0.06
Diluted earnings per share		$	0.11			$	0.05			$	0.03			$	0.02			$	0.06
Share data at period end:
Total shares issued			11,902,500				11,902,500				11,902,500				11,902,500				11,902,500
Less: Shares repurchased			(240,830	)			(63,025	)			—				—				—
Total shares outstanding			11,661,670				11,839,475				11,902,500				11,902,500				11,902,500
Performance Ratios:
Return on average assets (1)			0.36	%			0.18	%			0.11	%			0.07	%			0.22	%
Return on average equity (1)			2.43	%			1.04	%			0.62	%			0.40	%			1.22	%
Noninterest expense to average total assets (1)			3.47	%			4.04	%			3.93	%			3.70	%			3.99	%
Efficiency ratio (2)			83.15	%			91.40	%			85.51	%			78.33	%			82.90	%
Selected Balance Sheet Data:
Book value per share		$	17.26			$	16.76			$	16.69			$	16.91			$	16.88
Equity to total assets			15.16	%			14.86	%			17.92	%			17.88	%			17.78	%
Capital Ratios:
Total capital (to risk-weighted assets)			26.44	%			26.56	%			27.86	%			28.01	%			27.58	%
Tier I capital (to risk-weighted assets)			25.57	%			25.69	%			26.93	%			27.11	%			26.59	%
Tier I capital (to total assets)			14.49	%			14.42	%			17.40	%			17.14	%			17.10	%
Asset Quality Data and Ratios:
Non-performing assets to total assets			1.89	%			1.74	%			2.19	%			1.97	%			1.30	%
Non-performing loans to total loans			2.03	%			1.41	%			1.38	%			1.62	%			1.03	%
Allowance for loan losses to non-performing loans			63.60	%			94.29	%			96.55	%			84.48	%			113.02	%
Net charge-offs to average loans outstanding (1)			0.48	%			0.30	%			1.23	%			0.85	%			1.24	%
Texas ratio (3)			11.23	%			10.50	%			11.34	%			9.92	%			6.95	%

(1)		Ratios are annualized.
(2)		The efficiency ratio represents noninterest expense divided by the sum of net interest income and noninterest income.
(3)		The Texas ratio is computed by dividing the sum of nonperforming assets and loans 90 days past due still accruing by the sum of tangible equity and the allowance for loan losses.

OmniAmerican Bancorp, Inc. and Subsidiary

		For the Three Months Ended
		June 30,				March 31,				December 31,				September 30,				June 30,
		2011				2011				2010				2010				2010
Average Balances:
Loans		$	666,361			$	665,652			$	676,952			$	680,668			$	693,031
Securities			551,289				351,119				338,317				355,165				315,495
Other interest-earning assets			18,297				32,137				13,956				20,060				23,802
Total interest-earning assets		$	1,235,947			$	1,048,908			$	1,029,225			$	1,055,893			$	1,032,328
Deposits:
Interest-bearing demand			80,161				75,769			$	75,715			$	74,994			$	74,636
Savings and money market			322,567				311,276				309,325				304,026				296,786
Certificates of deposit			327,053				338,358				343,292				357,506				347,352
FHLB advances and other borrowings			320,698				145,827				106,783				111,531				114,000
Total interest-bearing liabilities		$	1,050,479			$	871,230			$	835,115			$	848,057			$	832,774
Yields/Rates (1):
Loans			5.87	%			6.07	%			6.09	%			6.29	%			6.16	%
Securities			3.19	%			3.05	%			2.80	%			3.18	%			3.51	%
Other interest-earning assets			0.22	%			0.16	%			0.34	%			0.30	%			0.29	%
Total interest earning assets			4.59	%			4.88	%			4.93	%			5.13	%			5.21	%
Deposits:
Interest-bearing demand			0.20	%			0.26	%			0.26	%			0.30	%			0.39	%
Savings and money market			0.30	%			0.38	%			0.49	%			0.59	%			0.71	%
Certificates of deposit			1.93	%			1.94	%			2.02	%			2.11	%			2.15	%
FHLB advances and other borrowings			1.92	%			3.28	%			4.45	%			4.24	%			3.65	%
Total interest-bearing liabilities			1.30	%			1.46	%			1.61	%			1.69	%			1.68	%
Other Data:
Net interest spread (2)			3.29	%			3.42	%			3.32	%			3.44	%			3.53	%
Net interest margin (3)			3.49	%			3.66	%			3.63	%			3.78	%			3.86	%

(1)		Annualized.
(2)		The interest rate spread represents the difference between the weighted-average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities for the period.
(3)		The net interest margin represents net interest income as a percentage of average interest-earning assets for the period.

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