Voting Common Stock,

Non-Voting Common Stock,

Preferred Stock,

Depositary Shares,

Debt Securities,

Warrants,

Units,

Purchase Contracts, and/or

Rights

We may offer and sell, from time to time, in one or more offerings, any combination of debt and equity securities that we describe in this prospectus. Each time we sell securities, we will provide specific terms of the securities offered in a supplement to this prospectus. The prospectus supplement may also add, update or change information contained in this prospectus. We will specify in any accompanying prospectus supplement the terms of any offering. You should read this prospectus and the applicable prospectus supplement, as well as any documents incorporated by reference in this prospectus and any prospectus supplement, carefully before you invest in any securities. This prospectus may not be used by us to consummate a sale of securities unless accompanied by the applicable prospectus supplement.

We will sell these securities directly to investors or through agents on our behalf or through underwriters or dealers as designated from time to time. If any agents or underwriters are involved in the sale of any of these securities, the applicable prospectus supplement will provide the names of the agents or underwriters and any applicable fees, commissions or discounts.

Our voting common stock trades on the New York Stock Exchange under the trading symbol "LOB." Our depositary shares, each representing 1/40th interest in a share of our 8.375% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A, trade on the New York Stock Exchange under the trading symbol "LOB/PA." Each prospectus supplement will indicate if the securities offered thereby will be listed on any securities exchange.