<SEC-DOCUMENT>0000930413-20-001475.txt : 20200520
<SEC-HEADER>0000930413-20-001475.hdr.sgml : 20200520
<ACCEPTANCE-DATETIME>20200520081435
ACCESSION NUMBER:		0000930413-20-001475
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20200520
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200520
DATE AS OF CHANGE:		20200520

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST HORIZON NATIONAL CORP
		CENTRAL INDEX KEY:			0000036966
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				620803242
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		20895742

	BUSINESS ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103
		BUSINESS PHONE:		9018186232

	MAIL ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE NATIONAL CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
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<p style="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES</b><br/>
<b>SECURITIES AND EXCHANGE COMMISSION</b><br/>
WASHINGTON, DC 20549</p>

<p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>


<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 3pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b>Pursuant
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<span style="font: 11pt Times New Roman, Times, Serif">Date of report (date of earliest event reported): <b><ix:nonNumeric contextRef="c0" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">May 20, 2020</ix:nonNumeric></b></span></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in
Charter)</p>

<p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<span style="font-size: 11pt"><b><ix:nonNumeric contextRef="c0" name="dei:EntityAddressCityOrTown">Memphis</ix:nonNumeric>, <ix:nonNumeric contextRef="c0" format="ixt-sec:stateprovnameen" name="dei:EntityAddressStateOrProvince">Tennessee</ix:nonNumeric> <ix:nonNumeric contextRef="c0" name="dei:EntityAddressPostalZipCode">38103</ix:nonNumeric></b></span><br/>
<span style="font-size: 10pt">(Address of Principal Executive Office) (Zip Code)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3pt; text-align: center">&#160;</p>

<p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 11pt"><b>(<ix:nonNumeric contextRef="c0" name="dei:CityAreaCode">901</ix:nonNumeric>) <ix:nonNumeric contextRef="c0" name="dei:LocalPhoneNumber">523-4444</ix:nonNumeric></b></span><br/>
<span style="font-size: 10pt">Registrant&#8217;s telephone number, including area code</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
from last report)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<tr style="vertical-align: top"> <td style="text-align: center">&#160;</td> <td>&#160;</td></tr>
<tr style="vertical-align: top"> <td style="text-align: center"><span style="font: 10pt"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></td> <td><span style="font: 10pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </span></td></tr>
<tr style="vertical-align: top"> <td style="text-align: center">&#160;</td> <td>&#160;</td></tr>
<tr style="vertical-align: top"> <td style="text-align: center"><span style="font: 10pt"><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></td> <td><span style="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </span></td></tr>
<tr style="vertical-align: top"> <td style="text-align: center">&#160;</td> <td>&#160;</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-indent: -27.35pt">Securities registered pursuant
to Section 12(b) of the Act:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-indent: -27.35pt">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&#xa7;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#xa7;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">Emerging
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">If an
emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style=",sans-serif">&#9744;</span></p>

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<tr style="vertical-align: top">
    <td style="width: 45pt"><span style="font: 10pt Times New Roman, Times, Serif"><b>Item&#160;8.01.</b></span></td>
    <td><span style="font: 10pt Times New Roman, Times, Serif"><b>Other Events </b></span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">As previously announced, on November 3,
2019, First Horizon National Corporation ( &#8220;First Horizon&#8221;) and IBERIABANK Corporation (&#8220;IBKC&#8221;) entered
into an agreement and plan of merger, pursuant to which IBKC will merge with and into First Horizon, with First Horizon as the
surviving entity in the merger, as described in the Current Report on Form 8-K filed by First Horizon on November 7, 2019.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">This Current Report on Form 8-K is being
filed to provide the following documents for purposes of incorporating them by reference into one or more offering documents in
connection with issuances of securities:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&#160;</p>

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<td style="width: 42.5pt"></td><td style="width: 18pt"><span>&#9679;</span></td><td><span style="font-family: Times New Roman, Times, Serif">IBKC&#8217;s unaudited condensed consolidated financial statements
as of March 31, 2020 and for the three months ended&#160;March 31, 2020 and March 31, 2019, and the related notes thereto, which
are attached hereto as Exhibit 99.1.</span></td></tr></table>

<p style="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 45pt"><span style="font: 10pt Times New Roman, Times, Serif"><b>Item&#160;9.01.</b></span></td>
    <td><span style="font: 10pt Times New Roman, Times, Serif"><b>Financial Statements and Exhibits </b></span></td></tr>
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<p style="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&#160;</p>

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    <td style="width: 4%"><span style="font: 10pt Times New Roman, Times, Serif">(d)</span></td>
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<p style="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom; font-size: 8pt">
    <td style="border-bottom: Black 1px solid; width: 6%; text-align: center">Exhibit<br/>
    No.</td>
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    <td style="border-bottom: Black 1px solid; width: 92%; text-align: center">Description</td></tr>
<tr>
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<tr>
    <td style="vertical-align: top">99.1</td>
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    <td style="vertical-align: top"><a href="c95864_ex99-1.htm" style="-sec-extract: exhibit">IBKC&#8217;s unaudited condensed consolidated financial statements as of March 31, 2020 and for the three months ended&#160;March 31, 2020 and March 31, 2019, and the related notes thereto.</a></td></tr>
<tr>
    <td style="vertical-align: top">&#160;</td>
    <td style="vertical-align: bottom">&#160;</td>
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<tr>
    <td style="vertical-align: top">104</td>
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    <td style="vertical-align: top">Cover Page Interactive Data File, formatted in Inline XBRL</td></tr>
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<p style="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURE</b></p>

<p style="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act
of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td colspan="3"><span style="font: 10pt Times New Roman, Times, Serif"><b>First Horizon National Corporation</b></span></td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td colspan="2">&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="width: 56%"><span style="font: 10pt Times New Roman, Times, Serif">Date: May&#160;20, 2020</span></td>
    <td style="width: 3%"><span style="font: 10pt Times New Roman, Times, Serif">By:&#160;</span></td>
    <td style="width: 23%; border-bottom: Black 1px solid"><span style="font: 10pt Times New Roman, Times, Serif">/s/&#160;William C. Losch III</span></td>
    <td style="width: 18%">&#160;</td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td colspan="2"><span style="font: 10pt Times New Roman, Times, Serif">William C. Losch III</span><br/> <span style="font: 10pt Times New Roman, Times, Serif"><i>Executive Vice President and Chief Financial Officer</i>&#160;&#160;</span></td></tr>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit 99.1</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>IBERIABANK CORPORATION AND SUBSIDIARIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Consolidated Balance Sheets </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 0 3pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding: 0 0 0 1pt; text-align: center"><FONT STYLE="font-size: 8pt"><B>(unaudited)</B></FONT></TD>
    <TD STYLE="padding: 0 0 0 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="padding: 0 0 0 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-size: 8pt"><B>(in thousands, except share data)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: center"><FONT STYLE="font-size: 8pt"><B>March
    31, 2020</B></FONT></TD>
    <TD STYLE="padding: 0 0 0 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: center"><FONT STYLE="font-size: 8pt"><B>December
    31, 2019</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Assets</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0; width: 65%">Cash and due from banks</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; width: 1%">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right; width: 14%">279,388</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; width: 1%">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right; width: 14%">289,794</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Interest-bearing deposits in other banks</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">665,674</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">604,929</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Total cash and cash equivalents</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">945,062</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">894,723</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Securities available for sale, at fair value</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">3,914,960</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">3,933,360</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Securities held to maturity (fair values of $186,396 and $189,899, respectively)</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">177,960</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">182,961</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Mortgage loans held for sale, at fair value</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">207,845</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">213,357</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 0pt">Loans and leases, net of unearned income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">24,541,632</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">24,021,499</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 0pt">Allowance for loan and lease losses</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">(286,685</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">)</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">(146,588</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt">Loans and leases, net</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">24,254,947</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">23,874,911</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Premises and equipment, net</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">297,551</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">296,688</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Goodwill</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,235,533</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,235,533</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Other intangible assets</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">72,140</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">77,168</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Other assets</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">1,133,985</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">1,004,749</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total Assets</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt; text-align: right"><B>32,239,983</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt; text-align: right"><B>31,713,450</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Liabilities</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Deposits:</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Non-interest-bearing</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">6,628,901</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">6,319,806</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Interest-bearing</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">18,897,336</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">18,899,543</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Total deposits</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">25,526,237</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">25,219,349</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Short-term borrowings</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">390,747</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">204,208</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Long-term debt</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,288,172</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,343,687</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Other liabilities</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">687,720</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right">609,472</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total Liabilities</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right"><B>27,892,876</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right"><B>27,376,716</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Shareholders&rsquo; Equity</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Preferred stock, $1 par value - 5,000,000 shares authorized</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Non-cumulative perpetual, liquidation preference $10,000 per share; 23,750 shares
    issued and outstanding, including related surplus</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">228,485</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">228,485</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Common stock, $1 par value - 100,000,000 shares authorized; 52,618,287 and 52,419,519
    shares issued and outstanding, respectively</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">52,618</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">52,420</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Additional paid-in capital</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">2,691,522</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">2,688,263</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Retained earnings</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,263,298</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">1,322,805</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Accumulated other comprehensive income (loss)</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">111,184</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0 0 0 1pt; text-align: right">44,761</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total Shareholders&rsquo; Equity</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right"><B>4,347,107</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 1px solid; padding: 0 0 0 1pt; text-align: right"><B>4,336,734</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 1px solid; padding: 0 0 0 1pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total Liabilities and Shareholders&rsquo; Equity</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt; text-align: right"><B>32,239,983</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0 0 0 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt; text-align: right"><B>31,713,450</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0 0 0 1pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; border-top-width: 0pt; border-top-color: Black">The
accompanying Notes are an integral part of these Consolidated Financial Statements.</P>







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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>IBERIABANK CORPORATION AND SUBSIDIARIES</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Consolidated Statements of Comprehensive
Income</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(unaudited)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 0 3pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-size: 8pt"><B>Three
    Months Ended March 31,</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-size: 8pt"><B>(in thousands, except per share data)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-size: 8pt"><B>2020</B></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-size: 8pt"><B>2019</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Interest and dividend income</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt; width: 68%">Loans and leases, including fees</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%">271,746</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%">284,879</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Mortgage loans held for sale, including fees</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,678</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,054</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Taxable securities</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">23,481</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">33,916</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Tax-exempt securities</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,921</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,209</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Other</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">4,103</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">4,026</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total interest and dividend income</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>302,929</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>326,084</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Interest expense</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Deposits</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">63,676</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">60,235</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Short-term borrowings</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">266</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">5,716</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Long-term debt</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">8,645</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">9,649</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total interest expense</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><B>72,587</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><B>75,600</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Net interest income</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>230,342</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>250,484</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Provision for expected credit losses</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">68,971</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">13,763</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Net interest income after provision for expected credit losses</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>161,371</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>236,721</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Non-interest income</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Mortgage income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">23,245</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">11,849</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Service charges on deposit accounts</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">12,525</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">12,810</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Title revenue</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">5,936</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">5,225</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 0 13pt">Commission income</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">4,191</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">4,664</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Broker commissions</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,127</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,953</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">ATM and debit card fee income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,838</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,582</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Credit card and merchant-related income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,295</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,411</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Trust department income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,226</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,167</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Income from bank owned life insurance</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,822</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">1,797</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Other non-interest income</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">4,451</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">4,051</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total non-interest income</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>64,656</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>52,509</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Non-interest expense</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Salaries and employee benefits</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">102,545</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">98,296</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Net occupancy and equipment</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">19,984</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">18,564</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Communication and delivery</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,677</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,700</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Marketing and business development</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,710</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,118</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Computer services expense</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">10,167</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">9,157</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Professional services</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">5,322</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,450</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Credit and other loan-related expense</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,643</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,859</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Insurance</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,559</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,186</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Travel and entertainment</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,740</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">2,430</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Amortization of acquisition intangibles</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">4,187</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">5,009</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0 0 0 13pt">Impairment of long-lived assets and other losses</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">3,317</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">1,064</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Other non-interest expense</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">13,576</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">4,920</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Total non-interest expense</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><B>177,427</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><B>158,753</B></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Income before income tax expense</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>48,600</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>130,477</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><PAGE></PAGE></P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Income tax expense</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">12,175</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">30,346</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Net income</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><B>36,425</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><B>100,131</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Less: Preferred stock dividends</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,598</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">3,598</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0; width: 68%"><B>Net income available to common shareholders</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; width: 1%"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right; width: 13%"><B>32,827</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; width: 1%"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right; width: 13%"><B>96,533</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Income available to common shareholders - basic</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right">32,827</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right">96,533</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Less: Earnings allocated to unvested restricted stock</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">367</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">933</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Earnings allocated to common shareholders</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0; text-align: right">32,460</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0; text-align: right">95,600</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Earnings per common share - basic</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>0.62</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>1.76</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Earnings per common share - diluted</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>0.62</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>1.75</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Cash dividends declared per common share</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>0.47</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><B>0.43</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Comprehensive income</B></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Net income</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right">36,425</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">$</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right">100,131</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0">Other comprehensive income (loss), net of tax:</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Unrealized gains on securities:</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 23pt">Unrealized holding gains arising during the period
    (net of tax effects of $17,342 and $10,675, respectively)</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">56,424</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">41,408</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Unrealized gains on securities, net of tax</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">56,424</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">41,408</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Fair value of derivative instruments designated as
    cash flow hedges:</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 23pt">Change in fair value of derivative instruments designated
    as cash flow hedges during the period (net of tax effects of $3,209 and $471, respectively)</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">10,441</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">(2,185</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">)</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 23pt">Less: Reclassification adjustment for gains (losses)
    included in net income (net of tax effects of $136 and $75, respectively)</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">442</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">(227</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt">Fair value of derivative instruments designated as
    cash flow hedges, net of tax</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">9,999</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right">(1,958</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">)</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><B>Other comprehensive income (loss), net of tax</B></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">66,423</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right">39,450</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><B>Comprehensive income</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><B>102,848</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><B>139,581</B></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">The accompanying Notes are an integral part
of these Consolidated Financial Statements.</P>



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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><PAGE></PAGE></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>IBERIABANK CORPORATION AND SUBSIDIARIES</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Consolidated Statements of Shareholders&rsquo;
Equity</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(unaudited)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0">&nbsp;</TD>
    <TD COLSPAN="29" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>For the Three Months Ended</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; padding-top: 0; padding-right: 0; padding-bottom: 0">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Preferred Stock</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Common Stock</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0; text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0; text-align: center; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0; text-align: center; vertical-align: bottom"><B>Accumulated</B></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR>
    <TD STYLE="text-align: left; padding-top: 0; padding-right: 0; padding-bottom: 0; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>(in thousands, except share and per share data)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Shares</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Shares</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Additional <BR>
Paid-In <BR>
Capital</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Retained Earnings</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Other Comprehensive Income (Loss)</B></FONT></TD>
    <TD STYLE="text-align: center; padding: 0; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Total</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0; width: 24%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Balance, December 31, 2018</B></FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,750</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">132,097</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54,796,231</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54,796</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,869,416</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,042,718</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(42,750</FONT></TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,056,277</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Cumulative-effect adjustment due to the
    adoption of ASU 2016-02</FONT> <SUP>(1)</SUP></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,847</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,847</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net income</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100,131</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">100,131</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other comprehensive income (loss)</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39,450</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">39,450</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash dividends declared, $0.43 per share</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(23,457</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(23,457</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preferred stock dividends</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,598</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,598</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Common stock issued under incentive plans, net of shares surrendered in payment</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">142,954</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">143</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4,588</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(4,445</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Common stock repurchases</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(387,921</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(388</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(29,558</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(29,946</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share-based compensation expense</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,572</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">5,572</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Balance, March 31, 2019</B></FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">13,750</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">132,097</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54,551,264</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">54,551</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,840,842</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,117,641</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,300</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,141,831</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Balance, December 31, 2019</B></FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,750</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">228,485</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52,419,519</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52,420</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,688,263</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,322,805</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">44,761</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,336,734</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Cumulative-effect
    adjustment due to the adoption of ASU 2016-13 </FONT><SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(67,605</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(67,605</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Net income</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36,425</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">36,425</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Other comprehensive income (loss)</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66,423</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">66,423</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cash dividends declared, $0.47 per share</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(24,729</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(24,729</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Preferred stock dividends</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,598</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,598</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Common stock issued under incentive plans, net of shares surrendered in payment</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">198,768</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">198</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,773</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">(3,575</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Share-based compensation expense</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,032</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">-</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">7,032</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Balance, March 31, 2020</B></FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">23,750</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">228,485</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52,618,287</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">52,618</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">2,691,522</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">1,263,298</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">111,184</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">4,347,107</FONT></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="padding: 3pt 0 0; text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt">(1)</FONT></TD>
    <TD STYLE="padding: 3pt 0 0; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cumulative-effect adjustment to beginning retained earnings related to the recognition of pre-existing lease liabilities and previously deferred gains on sale-leaseback transactions in accordance with ASU 2016-02, adopted as of January 1, 2019.</FONT></TD></TR>
<TR>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0; text-align: left; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0; vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding: 0; text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt">(2)</FONT></TD>
    <TD STYLE="padding: 0; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Cumulative-effect adjustment to beginning retained earnings related to the adoption of the current expected credit loss (CECL) methodology for estimating credit losses in accordance with ASU 2016-13, adopted as of January 1, 2020.</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">The accompanying Notes are an integral part
of these Consolidated Financial Statements.</P>




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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><P STYLE="margin: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><PAGE></PAGE></P></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>IBERIABANK CORPORATION AND SUBSIDIARIES</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Consolidated Statements of Cash Flows</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>(unaudited)</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 0 3pt">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>For the Three Months Ended March 31, </B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>(in thousands)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>2020</B></FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>2019</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Cash Flows from Operating Activities</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0; width: 68%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net income</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">36,425</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">100,131</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Adjustments to reconcile net income to net cash provided by operating activities:</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Depreciation, amortization, and accretion, including amortization of purchase accounting adjustments and market value adjustments</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,427</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,018</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Provision for expected credit losses</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">68,971</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,763</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Share-based compensation expense - equity awards</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,032</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,572</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(Gain) loss on sale of OREO and long-lived assets, net of impairment</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(956</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">278</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Deferred income tax expense</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,529</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17,861</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Originations of mortgage loans held for sale</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(533,032</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(326,244</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from sales of mortgage loans held for sale</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">563,199</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">320,853</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Realized and unrealized gain on mortgage loans held for sale, net</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(24,656</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(11,593</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other operating activities, net</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(43,782</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">152,430</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net Cash Provided by Operating Activities</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>90,157</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>277,069</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Cash Flows from Investing Activities</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from maturities, prepayments and calls of securities available for sale</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">242,074</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">136,627</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Purchases of securities available for sale</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(156,706</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(179,565</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from maturities, prepayments and calls of securities held to maturity</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,316</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,787</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Purchases of equity securities</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(14,753</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from sales of equity securities</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,637</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Increase in loans</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(517,085</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(446,284</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from sales of premises and equipment</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">402</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">91</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Purchases of premises and equipment</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(7,065</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(3,182</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from dispositions of OREO</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,237</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,980</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cash paid for additional investment in tax credit entities</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(673</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(2,828</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other investing activities, net</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(100</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net Cash Used in Investing Activities</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>(422,600</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>)</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>(496,490</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>)</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Cash Flows from Financing Activities</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Increase in deposits</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">306,888</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">328,631</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net change in short-term borrowings</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">186,539</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(376,751</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Proceeds from long-term debt</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">400,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Repayments of long-term debt</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(55,430</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(90,560</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cash dividends paid on common stock</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(48,042</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(22,466</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cash dividends paid on preferred stock</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(3,598</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(3,598</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Net share-based compensation stock transactions</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(3,575</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(4,445</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Payments to repurchase common stock</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">-</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(29,946</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net Cash Provided by Financing Activities</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>382,782</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>200,865</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Net Increase (Decrease) In Cash and Cash Equivalents</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>50,339</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>(18,556</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-top: black 1px solid; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>)</B></FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Cash and Cash Equivalents at Beginning of Period</B></FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>894,723</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>690,453</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Cash and Cash Equivalents at End of Period</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>945,062</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>$</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>671,897</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>

<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Supplemental Schedule of Non-cash Activities</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt; width: 68%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Acquisition of real estate in settlement of loans</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">524</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right; width: 13%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,727</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Supplemental Disclosures</B></FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Cash paid for:</FONT></TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 0 0 0 13pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Interest on deposits and borrowings</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">76,890</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">71,010</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; border-top-width: 0pt; border-top-color: Black">The
accompanying Notes are an integral part of these Consolidated Financial Statements.</P>







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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>IBERIABANK CORPORATION AND SUBSIDIARIES</B></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Notes to Consolidated Financial Statements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black"><B>NOTE
1 - DESCRIPTION OF BUSINESS, BASIS OF PRESENTATION, AND CHANGES IN SIGNIFICANT ACCOUNTING POLICIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">IBERIABANK Corporation is a financial holding company based in
Lafayette, Louisiana. The accompanying unaudited consolidated financial statements include the accounts of IBERIABANK Corporation
and its consolidated subsidiaries (the Company). Through its subsidiaries, the Company provides a full range of commercial and
consumer banking services, including private banking, small business, wealth and trust management, retail brokerage, mortgage,
commercial leasing and equipment financing, and title insurance services through locations in Louisiana, Arkansas, Tennessee, Alabama,
Texas, Florida, Georgia, South Carolina, North Carolina, Mississippi, Missouri, and New York.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The accompanying unaudited consolidated financial statements
have been prepared in accordance with GAAP for interim financial information and with the instructions to Form 10-Q and Article
10 of Regulation S-X. Accordingly, they do not include all information and notes necessary for complete financial statements in
accordance with GAAP. In the opinion of management, the accompanying unaudited consolidated financial statements contain all the
significant adjustments, consisting of normal and recurring items, considered necessary for fair presentation. These interim financial
statements should be read in conjunction with the Company&rsquo;s audited consolidated financial statements and notes in the Annual Report
on Form 10-K for the year ended December 31, 2019. Operating results for the interim period are not necessarily indicative of the
results that may be expected for the full year.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">All significant
intercompany balances and transactions have been eliminated in consolidation. Certain amounts reported in prior periods have been
reclassified to conform to the current period presentation. See the Glossary of Defined Terms included in this Report for terms
used herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Pending Merger</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As previously disclosed, on November 3, 2019, the Company entered
into a merger agreement to combine with First Horizon National Corporation (First Horizon) in an all-stock merger of equals. On
April 24, 2020, the Company received shareholder approval for the merger. The merger is expected to be completed in the second
quarter of 2020, pending receipt of the remaining regulatory approvals and other customary closing conditions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Changes in Significant Accounting Policies</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On January 1, 2020, the Company adopted ASU No. 2016-13, &ldquo;<I>Financial
Instruments - Credit Losses (Topic 326)</I>,&rdquo; (ASC 326) which significantly changed the measurement of credit losses for
certain financial investments, such as loans (including unfunded loan commitments) and investment securities. See Note, 2, Recent
Accounting Pronouncements, in the accompanying consolidated financial statements for a complete discussion. The adoption of ASC
326 impacts the accounting policies for the following: Investment Securities; Loans and Leases; and Allowance for Expected Credit
Losses. Other than the accounting policy updates below, there have been no changes to the accounting policies as described in the
Company&rsquo;s 2019 Form 10-K.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investment Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Management determines the appropriate accounting classification
of debt and equity securities at the time of acquisition and re-evaluates such designations at least quarterly. Debt securities
that management has the ability and intent to hold to maturity are classified as HTM and carried at cost, adjusted for amortization
of premiums and accretion of discounts using methods approximating the interest method. Securities acquired with the intent of
recognizing short-term profits or which are actively bought and sold are classified as trading securities and reported at fair
value. Securities not classified as HTM or trading are classified as AFS and reported at fair value. The Company evaluates its
investment securities portfolio for impairment on a quarterly basis as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black"><I>HTM
Securities: </I>The Company maintains an allowance for expected credit losses appropriate to absorb estimated lifetime credit losses
for HTM securities where there is a risk of credit loss. HTM securities where there is a risk of credit loss are segmented by credit
rating and duration and an allowance for expected credit losses is calculated based on external historical loss data, taking into
consideration management&rsquo;s forecast of future economic conditions. The allowance of expected credit losses, if required,
is recognized on the consolidated balance sheet with a corresponding adjustment to earnings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black"><I>AFS
Securities:</I> Declines in the fair value of individual AFS securities below their amortized cost basis are reviewed to determine
if the decline is due to credit-related factors. Impairment that is not credit-related is recognized in other comprehensive income,
net of applicable taxes. Credit-related impairment is recognized as an allowance for expected credit losses on the consolidated
balance sheet with a corresponding adjustment to earnings. However, if the Company intends to sell the impaired AFS security or
it is more likely than not that the Company will be required to sell such a security before recovering the amortized cost basis
of the security, the AFS security&rsquo;s amortized cost basis is reduced by the decline in fair value with the entire credit loss
recognized in the consolidated statement of income.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, investment securities were evaluated
for indicators of other than temporary impairment (OTTI) on a quarterly basis. Declines in the fair value of individual HTM and
AFS securities below their amortized cost basis were reviewed to determine whether the declines were other than temporary. In estimating
OTTI losses, management considered 1) the length of time and the extent to which the fair value had been less than the amortized
cost basis, 2) the financial condition and near-term prospects of the issuer, 3) its intent to sell and whether it was more likely
than not that the Company would be required to sell those securities before the anticipated recovery of the amortized cost basis,
and 4) for debt securities, the recovery of contractual principal and interest. For securities that the Company did not expect
to sell, or it was not more likely than not it would be required to sell prior to recovery of its amortized cost basis, the credit
component of an OTTI was recognized in earnings and the non-credit component was recognized in OCI. For securities that the Company
did expect to sell, or it was more likely than not that it would be required to sell prior to recovery of its amortized cost basis,
both the credit and non-credit component of an OTTI were recognized in earnings. Subsequent to recognition of OTTI, an increase
in expected cash flows was recognized as a yield adjustment over the remaining expected life of the security based on an evaluation
of the nature of the increase.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Other equity securities primarily consist of stock acquired for
regulatory purposes, such as Federal Home Loan Bank stock and Federal Reserve Bank stock and are included in &ldquo;other assets.&rdquo;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Gains or losses on securities sold are recorded on the trade
date, using the specific identification method.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Loans and Leases</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Loans</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company offers commercial and consumer loans for its customers.
Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at
amortized cost, which represents the principal amount outstanding less charge-offs, net of any unearned income, unamortized net
loan origination fees and direct costs on originated loans, and net premiums or discounts on acquired loans. Interest income is
accrued as earned over the term of the loans based on the principal balance outstanding. Loan origination fees, net of certain
direct origination costs, are deferred and recognized as an adjustment of the related loan yield. Accrued interest is reported
within other assets in the consolidated balance sheet.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Acquired loans are recorded at fair value on the acquisition
date. The determination of fair value includes credit risk assumptions and any resulting credit discounts as well as estimates
related to discount rates, expected prepayments, and the amount and timing of undiscounted expected principal, interest, and other
cash flows. Additionally, at the time of acquisition, acquired loans are classified as either purchased credit deteriorated (PCD)
or non-purchased credit deteriorated (non-PCD). Acquired loans which have experienced more-than-insignificant deterioration in
credit since origination are classified as PCD Loans. All acquired loans not considered to be purchased credit deteriorated loans
are classified as acquired non-PCD Loans. An initial allowance for expected credit losses (AECL) is established at the acquisition
date for acquired loans and the classification of PCD or non-PCD determines how the initial AECL is recorded. For PCD Loans, the
AECL is recorded with a corresponding increase to the amortized cost basis of the loan by reducing the purchase premium or discount
recognized on the acquired loan. For acquired non-PCD loans, the AECL is recorded with a corresponding charge to earnings. Subsequent
to acquisition, the AECL for both PCD Loans and acquired non-PCD loans is determined using the same methodology as originated loans.
The non-credit related purchase premium or discount on acquired loans is amortized or accreted to income over the estimated life
of the loans as an adjustment to yield using the effective interest rate calculated at the acquisition date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, acquired loans that reflected credit
deterioration since origination to the extent that it was probable that the Company would be unable to collect all contractually
required payments were classified as purchased impaired loans (&ldquo;acquired impaired loans&rdquo;). All other acquired loans
were classified as purchased non-impaired loans (&ldquo;acquired non-impaired loans&rdquo;). At the time of acquisition, acquired
impaired loans were accounted for individually or aggregated into loan pools with similar characteristics. From these pools, the
Company used certain loan information to estimate the expected cash flows for each loan pool. For acquired impaired loans, the
expected cash flows at the acquisition date in excess of the fair value of loans were recorded as interest income over the life
of the loans using a level yield method if the timing and amount of future cash flows was reasonably estimable. For acquired non-impaired
loans, the difference between the fair value and unpaid principal balance of the loan at acquisition, referred to as a purchase
premium or discount, was amortized or accreted to income over the</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"> estimated life of the loans as an adjustment to yield. Subsequent
to acquisition, the Company performed cash flow re-estimations at least quarterly for each acquired impaired loan or loan pool.
Increases in estimated cash flows above those expected at the time of acquisition were recognized on a prospective basis as interest
income over the remaining life of the loan and/or pool. Decreases in expected cash flows subsequent to acquisition generally resulted
in recognition of a provision for credit loss. The measurement of cash flows involved several assumptions and judgments, including
prepayments, default rates and loss severity among other factors. All of these factors were inherently subjective and significant
changes in the cash flow estimations could result over the life of the loan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Leases</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company leases equipment to commercial customers primarily
through direct financing and sales-type leases. Equipment financing leases are reported at the net lease investment, which represents
the sum of minimum lease payments over the lease term and the estimated residual value, less unearned interest income. Interest
income is accrued as earned over the term of the lease based on the net investment in leases. Fees incurred to originate the lease
are deferred and recognized as an adjustment of the yield on the lease.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Portfolio Segmentation</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company&rsquo;s loan portfolio is disaggregated into two
portfolio segments: commercial loans and leases and consumer loans. The Company further disaggregates the commercial loans and
leases and the consumer loans portfolio segment into receivable classes for purposes of monitoring and assessing credit quality.
Receivable classes within the commercial loan and lease portfolio segment include commercial real estate-construction, commercial
real estate-owner occupied, commercial real estate-non-owner occupied, and commercial and industrial, which includes equipment
financing leases. Receivable classes within the consumer loan portfolio segment include residential mortgage, home equity, and
other consumer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, the Company&rsquo;s loan portfolio
was disaggregated into three portfolio segments: commercial, residential mortgage, and consumer and other loans. Receivable classes
within the commercial loan portfolio segment included commercial real estate-construction, commercial real estate-owner-occupied,
commercial real estate-non-owner occupied, and commercial and industrial. Receivable classes within the consumer and other loans
portfolio segment included home equity, indirect automobile, credit card and other.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Troubled Debt Restructurings</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company periodically grants concessions to its customers
in an attempt to protect as much of its investment as possible and minimize risk of loss. These concessions may include restructuring
the terms of a loan to alleviate the burden of the customer&rsquo;s near-term cash requirements. In order to be classified as a
TDR, the Company must conclude that the restructuring constitutes a concession and the customer is experiencing financial difficulties.
The Company defines a concession to the customer as a modification of existing terms for economic or legal reasons that it would
otherwise not consider. The concession is either granted through an agreement with the customer or is imposed by a court of law.
Concessions include modifying original loan terms to reduce or defer cash payments required as part of the loan agreement, including
but not limited to:</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt">&bull; </TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">a reduction of the stated interest rate for the remaining original life of the loan,</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; </TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">extension of the maturity date or dates at a stated interest rate lower than the current market rate for new loans with similar risk characteristics,</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; </TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">reduction of the face amount or maturity amount of the loan as stated in the agreement, or</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; </TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">reduction of accrued interest receivable on the loan.</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">In its determination
of whether the customer is experiencing financial difficulties, the Company considers numerous indicators, including, but not limited
to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 18pt">&bull; &nbsp;</TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">whether the customer is currently in default on its existing loan(s), or is in an economic position where it is probable the customer will be in default on its loan(s) in the foreseeable future without a modification,</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; &nbsp;</TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">whether the customer has declared bankruptcy,</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; &nbsp;</TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">whether there is substantial doubt about the customer&rsquo;s ability to continue as a going concern,</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; &nbsp;</TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">whether, based on its projections of the customer&rsquo;s current capabilities, the Company believes the customer&rsquo;s future cash flows will be insufficient to service the loan, including interest, in accordance with the contractual terms of the existing agreement for the foreseeable future, and</FONT></TD></TR>

<TR STYLE="vertical-align: top">
<TD>&bull; &nbsp;</TD>
<TD><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">whether the customer cannot obtain sufficient funds from other sources at an effective interest rate equal to the current market rate for a similar loan for a non-troubled debtor.</FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Company concludes that both a concession has been granted
and the customer is experiencing financial difficulties, the Company identifies the loan as a TDR. Prior to January 2020, all TDRs
were considered impaired loans and acquired impaired loans accounted for within pools were not reviewed for TDR classification
if modified.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Non-accrual and Past Due Loans and Leases (Including Loan
Charge-offs) </I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases are generally considered past due when contractual
payments of principal and interest have not been received within 30 days after the contractual due date. Residential mortgage loans
are considered past due when contractual payments have not been received for two consecutive payment dates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases are placed on non-accrual status when any of
the following occur: 1) the loan or lease is maintained on a cash basis because of deterioration in the financial condition of
the borrower; 2) collection of the full contractual amount of principal and interest is not expected even if the loan or lease
is currently paying as agreed; or 3) when principal or interest has been in default for a period of 90 days or more, unless the
loan or lease is both well-secured and in the process of collection. Factors considered in determining the collection of the full
contractual amount of principal and interest include assessment of the borrower&rsquo;s cash flow, valuation of underlying collateral,
and the ability and willingness of guarantors to provide credit support. Certain commercial loans and leases are also placed on
non-accrual status when payment is not past due and full payment of principal and interest is expected, but the Company has doubt
about the borrower&rsquo;s ability to comply with existing repayment terms. Consideration will be given to placing a loan or lease
on non-accrual due to the deterioration of the debtor&rsquo;s repayment ability, the repayment of the loan or lease becoming dependent
on the liquidation of collateral, an existing collateral deficiency, the loan or lease being classified as &ldquo;doubtful&rdquo;
or &ldquo;loss,&rdquo; the client filing for bankruptcy, and/or</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"> foreclosure being initiated. For all commercial loans and leases,
the determination of a borrower&rsquo;s ability to make the required principal and interest payments is based on an examination
of the borrower&rsquo;s current financial statements, industry, management capabilities, and other qualitative factors. Loans and
leases are evaluated for potential charge-off in accordance with the parameters discussed in the following paragraph or when the
loan or lease is placed on non-accrual status, whichever is earlier. Prior to January 1, 2020, acquired impaired loans were placed
on non-accrual status when the Company could not reasonably estimate cash flows on the loan or loan pool.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases within the commercial portfolio are generally
evaluated for charge-off at 90 days past due, unless both well-secured and in the process of collection. Closed and open-end consumer
loans and leases are evaluated for charge-off no later than 120 days past due. Any outstanding loan balance in excess of the fair
value of the collateral less costs to sell is charged-off no later than 120 days past due for loans secured by real estate. For
non-real estate secured loans and leases, in lieu of charging off the entire balance, loans or leases may be written down to the
fair value of the collateral less costs to sell if repossession of collateral is assured and in process. Prior to January 1, 2020,
acquired impaired loans were not generally evaluated for charge-off.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The accrual of interest, as well as the amortization/accretion
of any remaining unamortized net deferred fees or costs and discount or premium, is discontinued at the time the loan or lease
is placed on non-accrual status. Accrued but uncollected interest for all loans and leases that are placed on non-accrual status
is generally reversed through interest income at 90 days past due. As accrued but uncollected interest is reversed on a timely
basis, the Company does not estimate an AECL for accrued interest. Cash receipts received on non-accrual loans or leases are generally
applied against principal until the loan or lease has been collected in full, after which time any additional cash receipts are
recognized as interest income (i.e., cost recovery method). However, interest may be accounted for under the cash-basis method
as long as the remaining recorded investment in the loan is deemed fully collectible.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases are returned to accrual status when the borrower
has demonstrated a capacity to continue payment of the debt (generally a minimum of six months of sustained repayment performance)
and collection of contractually required principal and interest associated with the debt is reasonably assured. Additionally, for
a non-accrual TDR to be returned to accrual status, a current, well-documented credit analysis is required and the borrower must
have complied with all terms of the modification. At such time, the accrual of interest and amortization/accretion of any remaining
unamortized net deferred fees or costs and discount or premium shall resume. Any interest income which was applied to the principal
balance shall not be reversed and subsequently will be recognized as an adjustment to yield over the remaining life of the loan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Individually Assessed Loans and Leases/Impaired Loans</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">When a loan or lease no longer shares risk characteristics with
other loans or leases, it is individually assessed for impairment. While management considers a variety of factors in determining
when a loan no longer shares risk characteristics with other loans, generally all TDR and non-accrual loans above certain thresholds
are considered to meet this requirement and are individually assessed for impairment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Impairment losses are measured on a loan-by-loan basis for these
commercial and consumer loans and leases, based on either the present value of expected future cash flows discounted at the loan
or lease&rsquo;s effective interest rate or the fair value of the collateral if the loan or lease is collateral-dependent. This
</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">measurement requires significant judgment and use of estimates, and the actual loss ultimately recognized by the Company may differ
significantly from the estimates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, a loan was considered to be impaired
when, based on current information and events, it was probable that the Company would be unable to collect the scheduled payments
of principal and/or interest in accordance with the contractual terms of the loan agreement. Generally all TDRs regardless of the
outstanding balance amount or portfolio classification, and all acquired impaired loans were considered to be impaired. Loans that
experienced insignificant payment delays and payment shortfalls generally were not classified as impaired. Impairment losses were
measured on a loan-by-loan basis for commercial and certain residential mortgage or consumer loans, based on either the present
value of expected future cash flows discounted at the loan&rsquo;s effective interest rate, the loan&rsquo;s observable market
price, or the fair value of the collateral if the loan was collateral-dependent.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Allowance for Expected Credit Losses </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company maintains the AECL at a level that management believes
appropriate to absorb estimated lifetime credit losses, including losses associated with unfunded commitments. The AECL includes
the allowance for loan and lease losses (ALLL) (contra asset) and the reserve for unfunded commitments (liability).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Determination of the appropriate AECL involves a high degree
of complexity and requires significant judgment regarding the credit quality of the loan portfolio and management&rsquo;s view
of future economic conditions. Several factors are taken into consideration in the determination of the overall AECL which include,
but are not limited to, the overall risk profiles of the loan and lease portfolios, net charge-off experience, the level of loans
and leases that require an individual assessment for impairment, the level of non-performing loans and leases, the level of 90
days past due loans and leases, the value of collateral, among other factors. The Company also considers forecasts of future national
and regional economic conditions, overall asset quality trends, changes in lending practices and procedures, trends in the nature
and volume of the loan portfolio (including the existence and effect of any portfolio concentrations), changes in experience and
depth of lending staff, the Company&rsquo;s legal, regulatory and competitive environment, and data availability and applicability
that might impact the portfolio or the manner in which it estimates losses, risk rating accuracy, and risk identification.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company has developed multiple current expected credit loss
models (ECL Models) which segment the Company&rsquo;s loan and lease portfolio by borrower type (i.e. commercial and consumer)
and loan or lease type to estimate lifetime expected credit losses for loans and leases that share similar risk characteristics.
These ECL Models primarily use a probability-of-default methodology to estimate expected credit losses for all loan and lease commitments.
Within each ECL Model, PDs and LGDs are established at the individual loan or lease commitment level based on various loan or lease
specific characteristics. For commercial loans and leases, these characteristics include customer size, industry sector, geographic
region, risk rating and collateral/property type, among others. For consumer loans, these characteristics include geographic region,
loan size, customer size, fixed or variable rate, lien position, and FICO score, among others. The ECL Models use both internal
and external historical loss data, as appropriate, for all available historical periods and a blend of multiple economic forecasts
as approved by ALCO to estimate expected credit losses over a reasonable and supportable forecast period. The ECL Models then revert
to longer term historical loss experience on a straight-line basis to arrive at lifetime expected credit losses. The selection
of the economic forecasts, the forecast period and reversion period and methodology are reviewed and approved quarterly. The ECL
Models also take into </P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">consideration the effects of prepayments and draw-down assumptions for any unfunded commitments, as applicable.
Qualitative adjustments are incorporated into the ECL Model-based estimate of expected credit losses to accommodate for the imprecision
of certain assumptions and uncertainties inherent in the calculation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans or leases that no longer share similar risk characteristics
with other loans or leases in the portfolio must be individually evaluated for impairment. For these loans and leases, the AECL
is determined on an individual loan and lease commitment basis, taking into consideration facts and circumstances specific to each
borrower. As discussed above, the AECL for individually assessed loans or leases is based on the difference between the recorded
investment in the loan or lease and either the estimated net present value of projected cash flows or the estimated value of the
collateral associated with a collateral-dependent loan, less cost to sell.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The overall AECL is allocated between the ALLL and the reserve
for unfunded commitments based on the loan&rsquo;s percentage funded and the future funding expectations of the loan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, the allowance for credit losses was
maintained at a level appropriate to absorb estimated probable credit losses incurred in the loan portfolio, including unfunded
commitments as of the consolidated balance sheet date. The manner in which the allowance for credit losses was determined was based
on 1) the accounting method applied to the underlying loans and 2) whether the loan was required to be measured for impairment.
The Company delineated between loans accounted for under the contractual yield method, legacy loans (originated loans), acquired
non-impaired loans, and acquired impaired loans. Further, for legacy and acquired non-impaired loans, the Company attributed portions
of the allowance for credit losses to loans and loan commitments that it measured individually, and groups of homogeneous loans
and loan commitments that it measured collectively for impairment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, the allowance for loan losses for all
impaired loans (excluding acquired impaired loans) was determined on an individual loan basis, considering the facts and circumstances
specific to each borrower. The allowance was based on the difference between the recorded investment in the loan and generally
either the estimated net present value of projected cash flows or the estimated value of the collateral associated with a collateral-dependent
loan. The determination of the allowance for loan losses for acquired impaired loans prior to January 1, 2020 is further discussed
in the &ldquo;Loans&rdquo; section of this footnote.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, the allowance for loan losses for all
non-impaired loans (excluding acquired impaired loans) was calculated based on pools of loans with similar characteristics. The
pool-level allowance was calculated through the application of PD and LGD factors for each individual loan. PDs and LGDs were determined
based on historical default and loss information for similar loans. For purposes of establishing estimated loss percentages for
pools of loans that shared common risk characteristics, the Company&rsquo;s loan portfolio was segmented by various loan characteristics
including loan type, risk rating for commercial, Vantage or FICO score for residential mortgage and consumer, past due status for
residential mortgage and consumer and call report code. The default and loss information was measured over an appropriate period
for each loan pool and adjusted as deemed appropriate. Qualitative adjustments were incorporated into the pool-level analysis to
accommodate for the imprecision of certain assumptions and uncertainties inherent in the calculation.</P>




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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-bottom-width: 0pt; border-bottom-color: Black"><B>NOTE 2 - RECENT ACCOUNTING PRONOUNCEMENTS</B></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Pronouncements adopted during the quarter ended March 31,
2020:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>ASU No. 2016-13,
ASU No. 2019-04 (portion related to ASC 326), ASU No. 2019-05, ASU No. 2019-11, and ASU No. 2020-03</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments
- Credit Losses (ASC 326): Measurement of Credit Losses on Financial Instruments. The guidance, along with subsequent related updates
issued during 2019, introduces an impairment model that is based on expected credit losses (ECL) rather than incurred losses, to
estimate credit losses on certain types of financial instruments, such as loans and held-to-maturity (HTM) securities, including
certain off-balance sheet financial instruments, such as loan commitments. The measurement of ECL should consider historical information,
current information, and reasonable and supportable forecasts, including estimates of prepayments, over the contractual term. Financial
instruments with similar risk characteristics must be grouped together when estimating ECL. In addition, ASC 326 expands credit
quality disclosures.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ASC 326 also provides for a simplified accounting model for purchased
financial assets with a more-than-insignificant amount of credit deterioration since their origination (purchased credit deteriorated).
The initial estimate of expected credit losses for purchase credit deteriorated financial assets is recognized as an AECL with
an offset (i.e., increase) to the cost basis of the related financial asset at acquisition.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additionally, ASC 326 amends the current AFS security impairment
model for debt securities. The new model will require an estimate of ECL when the fair value is below the amortized cost of the
asset. The credit-related impairment (and subsequent recoveries) are recognized as an allowance on the balance sheet with a corresponding
adjustment to the income statement. Non-credit related losses will continue to be recognized through OCI.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company adopted these ASUs as of January 1, 2020 through
a cumulative-effect adjustment to opening retaining earnings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Estimation Methodology</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company has developed multiple current expected credit loss
models (ECL Models) which segment the Company&rsquo;s loan and lease portfolio by borrower type (i.e. commercial and consumer)
and loan type to estimate lifetime expected credit losses for loans and leases. The ECL Models primarily use a probability-of-default
methodology to estimate expected credit losses. Within each ECL Model, loans and leases are further segregated based on additional
risk characteristics specific to that loan or leases type, such as risk rating, industry sector, company and/or loan size, collateral
type, geographic location and FICO score. The Company uses both internal and external historical loss data in the ECL Models, as
appropriate.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The estimate of expected credit losses is inherently subjective,
as it requires management to exercise judgment in determining appropriate factors to be used to determine the allowance. Following
are some of the most significant factors used to estimate expected credit losses under ASC 326:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt"><U>Economic Forecasts</U>: Management selected economic variables
it believes to be the most relevant for estimating losses based on the composition of the loan and leases portfolio and customer
base, including property values, employment and unemployment levels, oil prices and other key economic measures. The Company considers
a variety of economic forecasts and selects multiple economic forecasts it believes represent future changes in macroeconomic</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt"> conditions.
The Company uses a blend of the selected economic forecasts to estimate credit losses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt"><U>Forecast Period</U>: Management believes that it can reasonably
forecast credit losses over an eighteen month period, taking into consideration historical information, current information, and
reasonable and supportable economic forecasts. Management will re-evaluate the forecast period on a quarterly basis and may adjust
the forecast period in response to changes in the economic environment and other factors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 18pt"><U>Reversion Methodology</U>: For contractual periods beyond
the eighteen month forecast period, the Company reverts over a twelve-month period to longer term historical loss experience on
a straight-line basis to arrive at lifetime expected credit losses. Management will re-evaluate the reversion methodology on a
quarterly basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Credit losses
for loans and leases which no longer share risk characteristics with other loans or leases, primarily non-accrual and TDR loans
are individually assessed for impairment. A specific allowance is determined for these loans and leases determined using either
the present value of expected cash flows or the fair value of the underlying collateral.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The AECL calculated by the ECL Models for the Company&rsquo;s
loan and lease portfolio is allocated between the ALLL and the reserve for unfunded commitments based on the loan&rsquo;s percentage
funded and future funding expectations of the loan.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company elected not to measure an allowance for expected
credit losses for accrued interest as its reverses uncollectible accrued interest through interest income in a timely manner. Accrued
interest will continue to be reported within other assets in the consolidated balance sheet. The Company did not elect the one-time
fair value option transition expedient for financial instruments recorded at amortized cost. Additionally, the Company elected
to discontinue the use of pools to account for purchased credit deteriorated financial assets.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ASC 326 also requires an estimate of expected credit losses on
the HTM and AFS debt securities portfolios. Most of these portfolios consist of agency-backed securities that inherently have an
immaterial risk of loss. For non-agency-backed HTM securities, the Company estimates expected credit losses by segmenting the portfolio
by credit rating and duration and applying external historical loss data, taking into consideration management&rsquo;s forecast of future
economic conditions, as discussed above. For non-agency-backed AFS securities where amortized cost exceeds fair value, the Company
reviews each security to determine if any portion of the unrealized loss is credit-related.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Impact of Adoption</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The impact of the adoption of ASC 326 on the Company&rsquo;s loan and
lease portfolio was as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 98%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>(in thousands)</B></FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>December 31, 2019</B></FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>CECL Adoption</B></FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>January 1, 2020</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Allowance for Expected Credit Losses</B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0; width: 44%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Real estate - construction</FONT></TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9,993</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 15%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,332</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right; width: 15%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,325</FONT></TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Real estate - owner-occupied</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16,115</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(7,536</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,579</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Real estate - non-owner occupied</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">38,170</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">28,859</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">67,029</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Commercial &amp; industrial </FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">62,112</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(14,656</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">47,456</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Residential mortgage</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,209</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">71,264</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">81,473</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Home equity</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,231</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,808</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">17,039</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Other consumer loans</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,395</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">(1,752</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">)</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,643</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Total </B></FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">163,225</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">82,319</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">245,544</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Retained Earnings </B></FONT></TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Increase in allowance for expected credit losses</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">82,319</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Balance sheet reclassification</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,987</FONT></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Total pre-tax effect</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">88,306</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Tax effect</FONT></TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">20,701</FONT></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-top: 0; padding-right: 0; padding-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Decrease to retained earnings</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">67,605</FONT></TD>
    <TD STYLE="border-top: black 1px solid; border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The increase in the AECL primarily relates to required increases
for loans previously classified as acquired non-impaired. The AECL for residential mortgage loans increased due to the requirement
to estimate lifetime expected credit losses and the remaining length of time to maturity for these loans versus a loss emergence
period. The AECL for non-owner-occupied commercial real estate loans also increased reflecting higher LGDs under the CECL model.
The balance sheet reclassification represents the adjustment to the amortized cost basis of purchased credit deteriorated loans
to reflect the addition of the allowance for expected credit losses at the date of adoption. At the time of adoption, the Company
recognized the economy was vulnerable to major shocks, fiscal policy missteps, other geopolitical events and the outcome of the
pending U.S. elections. The transition adjustment reflected the Company&rsquo;s view of a relatively stable macroeconomic environment
over the next eighteen months. While ASC 326 results in a higher AECL, it does not change the overall credit risk in the Company&rsquo;s
loan and lease portfolios or the ultimate losses therein. The Company expects future changes in the AECL to be more volatile under
ASC 326 as the AECL in future periods will be based on a variety of factors, including changes in loan and lease volumes, the credit
quality of the loan and lease portfolio, and forecasts of future economic conditions, which are outside of the Company&rsquo;s
control.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The adoption of ASC 326 for the Company&rsquo;s HTM and AFS debt
securities was not material.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>ASU No. 2018-13</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">In August 2018,
the FASB released ASU No. 2018-13, <I>Fair Value Measurement (ASC 820): Disclosure Framework - Changes to the Disclosure Requirements
for Fair Value Measurement, </I>which eliminates, adds and modifies certain disclosure requirements for fair value measurements.
The ASU is effective for fiscal years beginning after December 15, 2019, including interim periods, with early adoption permitted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company adopted ASU No. 2018-13 as of January 1, 2020. While
adoption of this ASU will result in changes to existing disclosures, it did not have an impact on the Company&rsquo;s financial
position or results of operations.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>ASU No. 2018-17</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In October 2018, the FASB released ASU No. 2018-17, <I>Consolidation
(ASC 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities, </I>which improves the consistency of
the application of the variable interest entity (VIE) related party guidance for common control arrangements. This ASU requires
reporting entities to consider indirect interests held through related parties under common control on a proportional basis rather
than as the equivalent of a direct interest in its entirety (as currently required in GAAP) when determining whether a decision-making
fee is a variable interest. ASU No. 2018-17 is effective for fiscal years beginning after December 15, 2019, including interim
periods within those fiscal years, and early adoption is permitted. The guidance will be applied retrospectively with a cumulative-effect
adjustment to retained earnings at the beginning of the earliest period presented.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company adopted ASU No. 2018-17 as of January 1, 2020. The
adoption of the ASU did not have a material impact to the Company&rsquo;s consolidated financial statements. Based on the Company&rsquo;s
invested interests at adoption, no transition adjustment was needed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>ASU No. 2019-04</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">In April 2019,
the FASB released ASU No. 2019-04, <I>Codification Improvements to Financial Instruments-Credit Losses (ASC 326), Derivatives and
Hedging (ASC 815), and Financial Instruments (ASC 825)</I>. The amendments in the ASU improve the Codification by eliminating inconsistencies
and providing clarifications. The amendments related to the credit losses standard are discussed above under ASU 2016-13.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With respect to hedge accounting, the ASU addresses partial-term
fair value hedges, fair value hedge basis adjustments, and certain transition requirements, among other things. For recognizing
and measuring financial instruments, the ASU addresses the scope of the guidance, the requirement for re-measurement under ASC
820 when using the measurement alternative, certain disclosure requirements and which equity securities have to be re- measured
at historical exchange rates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Since the Company early adopted the guidance in ASU No. 2017-12,
<I>Derivatives and Hedging (ASC 815): Targeted Improvements to Accounting for Hedging Activities </I>in 2018, the amended hedge
accounting guidance in ASU No. 2019-04 is effective as of the beginning of the first annual reporting period beginning after April
25, 2019 with early adoption permitted on any date after the issuance of this ASU.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company adopted ASU No. 2017-08 as of January 1, 2020. The
adoption of the ASU did not have a material impact to the Company&rsquo;s consolidated financial statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Pronouncements issued but not yet adopted:</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>ASU No. 2019-12</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>





<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In December 2019, the FASB released ASU No. 2019-12, <I>Income
Taxes (ASC 740): Simplifying the Accounting for Income Taxes</I>, as part of their initiative to reduce complexity in accounting
standards. The ASU simplifies the accounting for income taxes by eliminating certain exceptions to the approach for intraperiod
tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities
for outside basis differences. The ASU also simplifies aspects of the </P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">accounting for enacted changes in tax laws or rates and clarifies
the accounting for transactions that result in a step-up in the tax basis of goodwill.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ASU No. 2019-12 will be effective for fiscal years beginning
after December 15, 2020, including interim periods, with early adoption permitted. The transition method for ASU No. 2019-12 varies
between the simplification items. The Company is currently evaluating the impact of the ASU on the Company&rsquo;s consolidated
financial statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>ASU No. 2020-01</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In January 2020, the FASB released ASU No. 2020-01, <I>Investments-Equity
Securities (ASC 321), Investments- Equity Method and Joint Ventures (ASC 323), and Derivatives and Hedging (ASC 815): Clarifying
the Interactions between ASC 321, ASC 323, and ASC 815</I>, a consensus of the FASB&rsquo;s Emerging Issues Task Force (EITF).
The ASU clarifies that a company should consider observable transactions that require a company to either apply or discontinue
the equity method of accounting under ASC 323 for the purposes of applying the measurement alternative in accordance with ASC 321
immediately before applying or upon discontinuing the equity method. The ASU also clarifies that, when determining the accounting
for certain forward contracts and purchased options, a company should not consider, whether upon settlement or exercise, if the
underlying securities would be accounted for under the equity method or fair value option.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ASU No. 2020-01 will be effective for fiscal years beginning
after December 15, 2020, including interim periods, with early adoption permitted. The Company is currently evaluating the impact
of the ASU on the Company&rsquo;s consolidated financial statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>ASU No. 2020-04</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In March 2020, the FASB released ASU No. 2020-04, &ldquo;<I>Reference
Rate Reform (Topic 848)</I>,&rdquo; which provides relief for entities preparing for discontinuation of interest rates such as
LIBOR. The ASU provides optional expedients and exceptions to ease the accounting impacts associated with contracts, hedging relationships,
and other transactions affected by reference rate reform if certain criteria are met. For contracts, this ASU allows entities to
account for certain contract modifications as a continuation of the existing contract without additional analysis. For hedging
relationships, this ASU allows hedge accounting to continue when certain critical terms of a hedging relationship charge and assess
effectiveness in ways that disregard certain potential sources of ineffectiveness. Additionally, the ASU allows entities to make
a one-time sale and/or transfer of certain debt securities from held-to-maturity to available-for-sale or trading.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">ASU No. 2020-04 is effective from the beginning of the interim
period that includes March 12, 2020. An entity may elect to apply the ASU prospectively through December 31, 2022. The expedients
and exceptions provided by the ASU do not apply to contract modifications made or hedging relationships entered into or evaluated
after December 31, 2022, with certain exceptions for hedging relationships existing as of December 31, 2022. The Company is currently
evaluating the impact of the ASU on its consolidated financial statements.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 3 - INVESTMENT SECURITIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The following
table summarizes the amortized cost and estimated fair value of securities available for sale and securities held to maturity as
of March 31, 2020 and December 31, 2019, excluding accrued interest of $13.3 million and $15.1 million, respectively, which is
included in other assets in the unaudited consolidated balance sheets, and the corresponding amounts of gross unrealized gains
and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="15" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>March 31, 2020</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>(in
    thousands)</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Amortized<BR>
    Cost</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR> Gains</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR> Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair<BR> Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities available for sale:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">U.S. Government-sponsored enterprise obligations</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">39,944</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">425</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">40,369</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Obligations of state and political subdivisions</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">158,578</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,984</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">165,562</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,797,087</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">82,191</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(70</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,879,208</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">681,145</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">32,078</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(13</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">713,210</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">113,621</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,230</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(240</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">116,611</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities available for sale</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,790,375</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">124,908</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(323</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,914,960</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Amortized<BR>
    Cost</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross</B><BR>
                                         <B>Unrecognized</B><BR> <B>Gains</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross</B><BR>
                                         <B>Unrecognized</B><BR> <B>Losses</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center">
    <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated</B><BR>
                                         <B>Fair</B><BR><B>Value</B></font></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities held to maturity:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Obligations of state and political subdivisions</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">162,330</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8,233</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">170,563</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,630</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">210</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,833</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities held to maturity</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">177,960</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">8,443</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">186,396</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>December 31, 2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Amortized<BR> Cost</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Gross<BR> Unrealized<BR> Gains</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Gross<BR> Unrealized<BR> Losses</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR> Fair<BR> Value</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities available for sale:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">U.S. Government-sponsored enterprise obligations</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">39,916</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">281</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">40,197</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Obligations of state and political subdivisions</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">160,873</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,607</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">168,480</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,876,069</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">27,423</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(3,836</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,899,656</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">704,661</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">17,202</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(404</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">721,459</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">101,022</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,779</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(233</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">103,568</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities available for sale</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,882,541</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">55,292</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(4,473</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,933,360</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">Amortized<BR> Cost</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Unrecognized</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gains</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Unrecognized</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Losses</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Fair</B></FONT><BR> <FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; width: 40%">Securities held to maturity:</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="text-align: right; width: 10%">&nbsp;</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="text-align: right; width: 10%">&nbsp;</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="text-align: right; width: 10%">&nbsp;</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="text-align: right; width: 10%">&nbsp;</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Obligations of state and political subdivisions</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">166,386</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,147</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">173,533</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16,575</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">30</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(239</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16,366</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities held to maturity</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">182,961</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,177</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(239</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">189,899</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Securities with
carrying values of $2.4 billion and $2.2 billion were pledged to support repurchase transactions, public funds deposits, and certain
long-term borrowings at March 31, 2020 and December 31, 2019, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information pertaining to securities with gross unrealized losses,
aggregated by investment category and length of time that individual securities have been in a continuous loss position, was as
follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="23" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>March 31, 2020</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Less Than Twelve Months</B></FONT></TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Twelve Months or More</B></FONT> </TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: left"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>(in
    thousands)</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR>
    Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair Value</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR>
    Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair Value</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR>
    Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities available for sale:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(70</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8,684</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(70</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8,684</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(13</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5,039</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(13</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5,039</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(152</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">19,848</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(88</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,168</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(240</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">24,016</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities available for sale</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(235</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">33,571</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(88</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,168</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(323</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">37,739</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Less Than Twelve Months</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Twelve Months or More</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Total</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
Unrecognized <BR>
Losses</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
 Fair Value</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
 Unrecognized<BR>
 Losses</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
 Fair Value</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
 Unrecognized<BR>
 Losses</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
 Fair Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities held to maturity:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">46</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,973</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,019</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities held to maturity</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">46</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,973</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(7</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,019</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="23" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>December
    31, 2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Less Than Twelve Months</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Twelve
    Months or More</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>(in
    thousands)</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR> Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair Value</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR> Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated
    Fair Value</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Gross<BR>
    Unrealized<BR>
    Losses</B></FONT></TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Estimated<BR>
    Fair Value</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities available for sale:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Obligations of state and political subdivisions</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">590</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">590</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(1,893</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">441,332</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(1,943</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">268,383</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(3,836</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">709,715</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(252</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">56,728</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(152</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">10,301</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(404</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">67,029</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(133</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">13,241</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(100</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,492</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(233</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">17,733</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities available for sale</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(2,278</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">511,891</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(2,195</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">283,176</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(4,473</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">795,067</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Less
    Than Twelve Months</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Twelve
    Months or More</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><B>Total</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Gross<BR> Unrecognized<BR> Losses</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR>
 Fair Value</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Gross<BR>
 Unrecognized<BR>
 Losses</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR> Fair Value</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Gross<BR>
 Unrecognized<BR>
 Losses</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR>
 Fair Value</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Securities held to maturity:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Residential agency</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(52</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,308</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(187</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,074</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(239</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,382</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Total securities held to maturity</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(52</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,308</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(187</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,074</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">(239</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,382</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The Company held
certain investment securities where amortized cost exceeded fair value, resulting in unrealized loss positions, as shown in the
tables above. The Company evaluates its investment securities portfolio for impairment on a quarterly basis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For HTM securities, the Company maintains an allowance for expected
credit losses appropriate to absorb estimated lifetime credit losses. HTM securities where there is a risk of credit loss are segmented
by credit rating and duration and an allowance for expected credit losses is calculated based on external historical loss data,
taking into consideration management&rsquo;s forecast of future economic conditions.<FONT STYLE="color: red"> </FONT>The Company has
assessed the risk of credit loss and has determined the allowance for expected credit losses for HTM securities to be immaterial
as of March 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For AFS securities, declines in the fair value of individual
securities below their amortized cost basis are reviewed to determine if the decline is due to credit-related factors. As of March
31, 2020, unrealized losses on AFS securities have not been recognized into income because the issuers are of high credit quality,
management does not intend to sell and it is likely that management will not be required to sell the securities prior to their
anticipated recovery, and the decline in fair value is largely due to changes in interest rates and other market conditions. Therefore,
no allowance for expected credit losses has been recorded for AFS securities as of March 31, 2020 and the unrealized losses are
recognized in other comprehensive income.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prior to January 1, 2020, management evaluated HTM and AFS securities
for other-than-temporary impairment. Impairment was considered to be other-than-temporary if the Company (1) intended to sell the
security, (2) more likely than not would be required to sell the security before recovering its cost, or (3) did not expect to
recover the security&rsquo;s entire amortized cost basis. As of December 31, 2019, the Company did not intend to sell any of these securities,
did not expect to be required to sell these securities, and expected to recover the entire amortized cost of all these securities.
As a result of the</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Company&rsquo;s analysis, no declines in the estimated fair value of the Company&rsquo;s investment securities were deemed
to be other-than-temporary at December 31, 2019.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">At March 31,
2020, 13 debt securities had unrealized losses of 0.82% of the securities&rsquo; amortized cost basis. At December 31, 2019, 123
debt securities had unrealized losses of 0.58% of the securities&rsquo; amortized cost basis. Additional information on securities
that were in a continuous loss position for over twelve months at March 31, 2020 and December 31, 2019 is presented in the following
table.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">December&nbsp;31,&nbsp;2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif">Number of securities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 66%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">59</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 3px">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">6</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">69</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Amortized Cost Basis</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,980</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">279,587</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">10,453</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,256</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,591</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 3px">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,236</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">294,631</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Unrealized Loss</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 10pt">Mortgage-backed securities:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,130</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Commercial agency</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">152</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt">Other securities</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">88</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">100</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 3px">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">95</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,382</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Credit Quality
Indicators</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A substantial portion of the Company&rsquo;s HTM securities portfolio
consists of obligations of state and political subdivisions. The Company monitors the credit quality of these securities through
the use of credit ratings on a quarterly basis. The following table summarizes the amortized cost of HTM obligations of state and
political subdivisions at March 31, 2020, aggregated by credit quality indicator:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 70%">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Securities Held to Maturity</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Credit Rating</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Obligations of State and Political<BR> Subdivisions<BR> (in thousands)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 60%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Aaa / AAA</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 35%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">80,815</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Aa1 / AA+</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">33,066</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Aa2 / AA</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">38,317</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Aa3 / AA-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">8,292</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">A2 / A</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,840</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">Total</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">162,330</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">At March 31,
2020, the Company also held HTM residential agency mortgage-backed securities with an amortized cost of $15.6 million. This portfolio
includes Frannie Mae and Freddie Mac securities which are considered to be government sponsored enterprises (GSEs). While securities
issued by GSEs do carry credit risk, the company considered the risks and determined that the risk of credit loss for these securities
was zero.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">There were no HTM securities on non-accrual or past due status
as of March 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The amortized cost and estimated fair value of investment securities
by maturity at March 31, 2020 are presented in the following table. Securities are classified according to their contractual maturities
without consideration of principal amortization, potential prepayments or call options. Accordingly, actual maturities may differ
from contractual maturities. Weighted average yields are calculated on the basis of the yield to maturity based on the amortized
cost of each security.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="11" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Securities Available for Sale</B></FONT><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="11" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Securities Held to Maturity</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: left">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Weighted<BR> Average<BR> Yield</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Amortized<BR> Cost</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR> Fair<BR> Value</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Weighted<BR> Average<BR> Yield</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Amortized<BR> Cost</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Estimated<BR> Fair<BR> Value</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Within one year or less</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.62</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">%</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">41,572</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">41,999</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3.00</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">%</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">245</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">245</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">One through five years</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.60</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">180,356</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">187,480</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.59</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5,329</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5,380</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">After five through ten years</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.68</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">641,404</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">671,014</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.37</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">56,038</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">58,524</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">Over ten years</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.59</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,927,043</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,014,467</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.56</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">116,348</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">122,247</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 3px">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.61</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">%</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,790,375</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,914,960</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">2.50</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">%</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">177,960</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">186,396</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Gains or losses on securities sold are recorded on the trade
date, using the specific identification method. For the three months ended March 31, 2020 and 2019, the Company did not have any
realized gains or losses from the sale of securities classified as available for sale. The Company did not realize any gains on
calls of securities held to maturity for the three months ended March 31, 2020 and 2019.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Other Equity
Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The Company accounts
for the following securities at cost less impairment plus or minus any observable price changes, which approximates fair value,
with the exception of CRA and Community Development Investment Funds, which are recorded at fair value. Other equity securities,
which are presented in other assets on the consolidated balance sheets, were as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">December&nbsp;31,&nbsp;2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 66%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Federal Home Loan Bank stock</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">70,914</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">70,386</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Federal Reserve Bank stock</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">85,630</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">85,630</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">CRA and Community Development Investment Funds</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,988</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,948</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">Other investments</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">22,098</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">21,118</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 3px">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">180,630</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">179,082</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>NOTE 4 - LOANS
AND LEASES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The following
is the amortized cost of loans and leases as of March 31, 2020 and December 31, 2019, excluding accrued interest of $65.9 million
and $65.7 million, which is included in other assets in the unaudited consolidated balance sheets:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">December&nbsp;31,&nbsp;2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial loans and leases:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 56%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Real estate - construction</TD><TD STYLE="width: 8%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,322,627</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,321,663</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Real estate - owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,424,139</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,475,326</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Real estate - non-owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,484,257</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,267,106</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 12pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 10pt"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Commercial
    and industrial (C&amp;I) <SUP>(1)</SUP></FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,909,841</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,547,538</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">17,140,864</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16,611,633</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Consumer and other loans:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Residential mortgage</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,849,119</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,739,075</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 10pt">Home equity</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,926,753</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,987,336</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; padding-left: 10pt">Other</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">624,896</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">683,455</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,400,768</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,409,866</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px; padding-left: 10pt">Total loans and leases</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">24,541,632</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">24,021,499</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font: 6pt Arial, Helvetica, Sans-Serif">(1)</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"> </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 97%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Includes equipment financing leases</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Net deferred
loan and lease origination fees were $36.4 million and $36.8 million at March 31, 2020 and December 31, 2019, respectively. Total
net discount on the Company&rsquo;s loans and leases was $88.3 million and $89.3 million at March 31, 2020 and December 31, 2019, respectively,
of which $53.7 million and $56.4 million was related to non-impaired loans and leases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In addition to loans issued in the normal course of business,
the Company considers overdrafts on customer deposit accounts to be loans and reclassifies these overdrafts as loans in its consolidated
balance sheets. At March 31, 2020 and December 31, 2019, overdrafts of $5.5 million and $7.7 million, respectively, had been reclassified
to loans.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases with carrying values of $8.7 billion and $8.6
billion were pledged as collateral for borrowings at March 31, 2020 and December 31, 2019, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Certain acquired loans are to customers with addresses outside
of the United States. Foreign loans, denominated in U.S. dollars, totaled $181.0 million and $182.4 million at March 31, 2020 and
December 31, 2019, respectively.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Past Due Status
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Loans and leases are generally considered past due when contractual
payments of principal and interest have not been received within 30 days after the contractual due date. Residential mortgage loans
are considered past due when contractual payments have not been received for two consecutive payment dates. The following tables
provide an analysis of the aging of loans and leases as of March 31, 2020 and December 31, 2019.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="27" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>March 31, 2020</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="15" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Age
    Analysis of Past Due Loans and Leases</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">30-59 Days<BR>
 Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">60-89 Days<BR> Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Greater than<BR> 90 Days<BR> Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total Past<BR> Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Current</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Accruing<BR>
 Loans<BR>
 Greater Than<BR>
 90 Days Past <BR>
Due</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 25%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Real estate-construction</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,466</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">69</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,535</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 5%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,317,092</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 5%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,322,627</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 9%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate-owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,714</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,302</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">12,810</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">24,826</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,399,313</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,424,139</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,328</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate-non-owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,525</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">8,318</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">14,451</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">27,294</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,456,963</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,484,257</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,679</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial and industrial</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">16,505</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">10,357</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">7,811</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">34,673</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,875,168</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,909,841</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">169</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Residential mortgage</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">23,664</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,131</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">34,748</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">59,543</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,789,576</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,849,119</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">7,787</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Home equity</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">20,719</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,014</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">18,254</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">41,987</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,884,766</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,926,753</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">Other</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,195</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,751</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,572</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">10,518</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">614,378</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">624,896</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">Total</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">81,788</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">31,873</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">90,715</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">204,376</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">24,337,256</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">24,541,632</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">10,963</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="27" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>December 31, 2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="16" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Age Analysis of Past Due
    Loans and Leases</B></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font: 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">30-59 Days<BR> Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">60-89 Days<BR> Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Greater than<BR> 90 Days<BR> Past Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total Past<BR> Due</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Current</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Accruing<BR>Loans&nbsp;Greater<BR>Than 90 Days<BR> Past Due</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 25%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Real estate-construction</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">244</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,377</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,621</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 5%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,320,042</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 5%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,321,663</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 9%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate-owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">18,387</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,770</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">9,175</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">30,332</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,444,994</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,475,326</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,035</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate-non-owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,418</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,459</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">10,450</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">18,327</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,248,779</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,267,106</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">58</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial and industrial</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,805</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,523</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">15,601</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">23,929</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,523,609</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">6,547,538</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">887</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Residential mortgage</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,008</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">17,297</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">23,055</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">44,360</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,694,715</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4,739,075</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,277</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Home equity</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">14,001</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,113</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">14,332</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">31,446</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,955,890</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,987,336</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">Other</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,935</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,267</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,500</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">7,702</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">675,753</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">683,455</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">Total</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">52,798</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">28,429</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">76,490</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">157,717</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">23,863,782</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">24,021,499</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,257</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional information on non-accrual loans and leases as of
March 31, 2020 and December 31, 2019 is presented in the following table.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="11" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Amortized Cost of Non-accrual
    Loans and <BR>
Leases</B></FONT></TD><TD STYLE="padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Non-accrual
    Loans and<BR>
 Leases With No Related<BR>
Allowance for Expected Credit <BR>
Losses</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="7" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Interest
    Income Recognized<BR>
 on Non-accrual Loans and <BR>
Leases</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: left">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">December 31, 2019</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">December 31, 2018</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">December 31, 2019</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Three&nbsp;Months<BR>
Ended &nbsp;<BR>
March 31, <BR>
2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Three&nbsp;Months <BR>
Ended &nbsp;<BR>
March 31, <BR>
2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 21%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Real estate- construction</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">133</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,394</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,094</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 8%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">4</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 7%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">929</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 5%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 9%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="width: 1%; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate- owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">23,428</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">17,817</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">10,260</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">19,968</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">11,469</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">135</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">70</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Real estate- non-owner-occupied</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">20,383</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">15,440</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">15,898</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">18,120</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">8,610</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">159</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">54</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial and industrial</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">40,768</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">41,636</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">57,860</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">34,432</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">9,590</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">122</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">352</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Residential mortgage</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">48,067</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">34,833</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">30,396</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">26,013</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">19,500</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">49</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">60</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">Home equity</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">30,319</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">24,404</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">18,830</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">5,915</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,200</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">64</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">67</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">Other</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,465</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">3,381</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2,846</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">1,190</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">13</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: right">2</TD><TD STYLE="border-bottom: Black 1px solid; font: 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">Total</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">166,563</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">138,905</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">137,184</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">105,642</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">53,298</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">542</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: right">605</TD><TD STYLE="border-bottom: Black 3px double; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">When a loan or lease is placed on non-accrual status, accrued
but uncollected interest is reversed through interest income. During the three months ended March 31, 2020, the Company reversed
an immaterial amount of uncollectible accrued interest on both commercial loans and leases and consumer loans.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Collateral-Dependent Loans</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Collateral-dependent loans are defined as loans for which repayment
is expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing
financial difficulty. Collateral-dependent commercial loans are primarily secured by commercial real estate and to a lesser extent
other business assets and residential real estate. The loan-to-value ratio, taking into consideration cost to sell the collateral
for commercial collateral-dependent loans is approximately 75% at March 31, 2020. Collateral-dependent consumer loans are secured
by residential real estate with a loan-to-value ratio of 70%, taking into consideration the cost to sell the collateral at March
31, 2020. As of March 31, 2020, the Company did not have any collateral-dependent leases.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Acquired Loans</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black">The
Company did not acquire any loans during the three months ended March 31, 2020. Prior to January 1, 2020, the Company accounted
for acquired impaired loans in accordance with ASC 310-30. The following is a summary of changes in the accretable difference for
all loans accounted for under ASC 310-30 during the three months ended March 31, 2019:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 90%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; border-bottom: Black 1px solid; text-align: center">2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 87%">Balance at beginning of period</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">133,342</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Transfers from non-accretable difference to accretable yield</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,640</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>Accretion</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(10,086</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 12pt; text-align: left; padding-bottom: 1px"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Changes
    in expected cash flows not affecting non-accretable differences</FONT><FONT STYLE="font: 6pt Arial, Helvetica, Sans-Serif">
    <SUP>(1)</SUP></FONT></TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">(272</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-bottom: 3px">Balance at end of period</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">119,344</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font: 6pt Arial, Helvetica, Sans-Serif">(1)</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"> </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 97%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Includes changes in cash flows expected to be collected due to the impact of changes in actual or expected timing of liquidation events, modifications, changes in interest rates and changes in prepayment assumptions.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-left-width: 0pt; border-left-color: Black"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-left-width: 0pt; border-left-color: Black"><B>Troubled
Debt Restructurings</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">After
the adoption of ASC 326, all loans, including acquired loans, meeting the criteria for classification as a TDR since January 1,
2020 are included in the disclosures below. Prior to January 1, 2020, modifications of loans that were accounted for within a pool
under ASC Topic 310-30 were not classified or reported as TDRs. As a result, all such acquired loans that would otherwise meet
the criteria for classification as a TDR prior to January 1, 2020 were excluded from the disclosures below, which impacts comparability
between periods. As of March 31, 2020 and December 31, 2019, there were no leases which met the criteria to be classified as a
TDR.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">TDRs totaling
$9.8 million and $31.4 million occurred during the three months ended March 31, 2020 and 2019, respectively, through modification
of the original loan terms. </P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table provides information on how the TDRs were
modified during the periods indicated:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 90%">
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px"></TD><TD STYLE="padding-bottom: 1px; text-align: center; font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid"><B>Three
    Months Ended March 31,</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: left">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 56%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Extended maturities</TD><TD STYLE="width: 8%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,450</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 12%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,014</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Maturity and interest rate adjustment</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">706</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">468</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Movement to or extension of interest-rate only payments</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">46</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Interest rate adjustment</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,878</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Forbearance</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,111</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,510</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 12pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Other
    concession(s) </FONT><FONT STYLE="font: 6pt Arial, Helvetica, Sans-Serif"><SUP>(1)</SUP></FONT></TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,604</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,425</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px; padding-left: 15.25pt">Total</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,795</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">31,429</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font: 6pt Arial, Helvetica, Sans-Serif">(1)</FONT><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif"> </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 97%"><FONT STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Other concessions may include covenant waivers, forgiveness of principal or interest associated with a customer bankruptcy, or a combination of any of the above concessions.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">Of
the $9.8 million of TDRs occurring during the three months ended March 31, 2020, $6.8 million were on accrual status and $3.0 million
were on non-accrual status. Of the $31.4 million of TDRs occurring during the three months ended March 31 2019, $16.5 million were
on accrual status and $14.9 million</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">were on non-accrual status. The following table presents the end of period balance for loans
modified in a TDR during the periods indicated:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-left-width: 0pt; border-left-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="23" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Three Months Ended March
    31,</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="10" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>2020</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1px solid; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>2019</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands, except <BR>
number of loans)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Number of Loans</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Pre-<BR>
Modification<BR>
 Outstanding<BR>
 Recorded<BR>
 Investment</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Post-<BR>
Modification<BR>
 Outstanding<BR>
 Recorded<BR>
 Investment</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Number&nbsp;of<BR>Loans</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Pre-<BR>
Modification<BR>
 Outstanding<BR>
 Recorded<BR>
 Investment</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">Post-<BR>
Modification<BR>
 Outstanding<BR>
 Recorded<BR>
 Investment</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Real estate-construction</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">154</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">86</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">39</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">39</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Real estate-owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,520</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,558</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6,904</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,661</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Real estate-non-owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,944</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,820</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,990</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,968</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial and industrial</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">14</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,844</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,367</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">23</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">17,382</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">17,040</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Residential mortgage</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">6</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">750</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">413</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">10</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,741</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,738</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Home equity</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,507</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,482</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">33</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,277</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">4,233</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">Other</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">71</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">69</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">38</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">787</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">750</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px; padding-left: 15.25pt">Total</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">51</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">10,790</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,795</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">116</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">34,120</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">31,429</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Information detailing
TDRs that defaulted during the three-month periods ended March 31, 2020 and 2019, and were modified in the previous twelve months
(i.e., the twelve months prior to the default) is presented in the following tables. The Company has defined a default as any loan
with a payment that is currently past due greater than 30 days, or was past due greater than 30 days at any point during the respective
periods, or since the date of modification, whichever is shorter.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; padding-bottom: 1px"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px; font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></TD>
    <TD COLSPAN="15" STYLE="text-align: center; font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid"><B>Three Months Ended March 31,</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: center; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>2020</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center"><B>2019</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands, except number of loans)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Number of <BR>
Loans</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Recorded Investment</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Number of <BR>
Loans</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1px solid; text-align: center">Recorded Investment</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Real estate- construction</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">9,212</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">939</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Real estate- owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,898</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">640</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Real estate- non-owner-occupied</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">11</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">5,287</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">825</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Commercial and industrial</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">33</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">7,862</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">10</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">3,933</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Residential mortgage</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,190</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">13</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,108</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">Home equity</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">23</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,189</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,891</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">Other</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">20</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">208</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">20</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">261</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px; padding-left: 15.25pt">Total</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">108</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">27,846</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">70</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">10,597</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 5 - ALLOWANCE FOR EXPECTED CREDIT LOSSES AND CREDIT QUALITY
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Allowance
for Expected Credit Losses Activity</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">On January 1, 2020, the Company adopted ASU No. 2016-13, <I>Financial
Instruments - Credit Losses (ASC 326): Measurement of Credit Losses on Financial Instruments</I>. ASC 326 replaced the incurred
loss model for determining the allowance for credit losses with a current expected credit loss model for financial assets carried
at amortized cost, including loans, leases, and loan commitments. ASC 326 requires recognition of lifetime expected credit losses
that takes into consideration all available relevant information including details of past events, current conditions and reasonable
and supportable forecasts of future economic conditions. The transition adjustment on January 1, 2020 resulted in an increase of
the AECL of $82.3 million. The increase in the AECL at transition primarily relates to required increases for residential mortgage
loans to establish an estimate of lifetime expected credit losses for these longer dated loans as well as an increase on non-owner-occupied
commercial real estate loans reflecting higher LGDs under the CECL model. See Note 2, Recent Accounting Pronouncements, for additional
discussion on the adoption of ASC 326. As a result of the adoption of ASC 326, the AECL as of March 31, 2020 and the provision
for expected credit losses for the three months ended March 31, 2020 are not comparable to historical periods.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">A summary of
changes in the allowance for expected credit losses for the three months ended March 31 was as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 70%; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Allowance for loan and lease losses at beginning of period</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">146,588</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">140,571</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 15.25pt">Transition adjustment for ASC 326</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">83,194</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 15.25pt">Allowance for loan and lease losses, as adjusted</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">229,782</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">140,571</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 15.25pt">Provision for loan and lease losses</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">66,431</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">12,612</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 15.25pt">Transfer of balance to OREO and other</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(2,885</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 15.25pt">Charge-offs</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(12,119</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(8,918</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; padding-left: 15.25pt">Recoveries</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,591</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,586</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">Allowance for loan and lease losses at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">286,685</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">142,966</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">Reserve for unfunded commitments at beginning of period</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">16,637</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">14,830</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 15.25pt">Transition adjustment for ASC 326</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">(875</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-left: 15.25pt">Reserve for unfunded lending commitments, as adjusted</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,762</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">14,830</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px; padding-left: 15.25pt">Provision for unfunded lending commitments</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">2,540</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right">1,151</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 1px">Reserve for unfunded commitments at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">18,302</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">15,981</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left; padding-bottom: 3px">Allowance for expected credit losses at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">304,987</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: right">158,947</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The AECL at March 31, 2020 reflects a blend of economic forecasts
to estimate expected credit losses over an eighteen month reasonable and supportable forecast period and then reverts to historical
loss experience to arrive at lifetime expected credit losses. At January 1, 2020, the Company&rsquo;s economic forecast assumed
a relatively stable macroeconomic environment over the reasonable and supportable</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">forecast period while recognizing that the economy
was vulnerable to major shocks, fiscal policy missteps, other geopolitical events and the outcome of the pending U.S. elections.
During the latter part of the first quarter of 2020, the global and U.S. economies experienced substantial disruptions as a result
of the COVID-19 pandemic as well as continued pressure on oil prices. In light of the deteriorating economic conditions, the U.S.
government has taken numerous actions through multiple stimulus packages to support both individuals and businesses during the
unprecedented freeze on commerce in the U.S. Uncertainty remains as to the length of the COVID-19 pandemic as well as the success
of the various stimulus packages to both support the economy during the pandemic as well as restore economic conditions when the
pandemic subsides. As a result, the Company has updated its economic forecast to reflect the expected impact of COVID-19 and the
possibility of recessionary conditions over the reasonable and supportable forecast period which has resulted in an increase in
the AECL at March 31, 2020.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">A summary of changes
in the allowance for expected credit losses, by loan portfolio type, for the three months ended March 31 was as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR>
    <TD STYLE="vertical-align: bottom; padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="31" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Three
    Months Ended March 31, 2020</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="15" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Commercial</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Real Estate</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Consumer</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0"><B>(in thousands)</B></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Construction</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Owner-<BR>
occupied</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Non-<BR>
owner-<BR>
occupied</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Commercial <BR>
and
    <BR>
Industrial</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Residential <BR>
Mortgage</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Home <BR>
Equity</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Other</B></TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1px solid; padding: 0; text-align: center"><B>Total</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0; width: 28%">Allowance for loan and lease losses at beginning of period</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">5,983</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">15,770</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">36,541</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">55,634</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">9,647</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">12,153</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">10,860</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 1%">$</TD>
    <TD STYLE="padding: 0; text-align: right; width: 5%">146,588</TD>
    <TD STYLE="padding: 0; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0">Transition adjustment for ASC 326</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">2,307</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(8,163</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">29,850</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(14,659</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">70,521</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">3,620</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(282</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">83,194</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0">Allowance for loan and lease losses, as adjusted</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">8,290</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">7,607</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">66,391</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">40,975</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">80,168</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">15,773</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">10,578</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">229,782</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0">Provision for loan and lease losses</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">940</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">2,603</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">30,500</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">11,833</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">10,535</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">7,313</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">2,707</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">66,431</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0">Charge-offs</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(14</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">-</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(240</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(7,895</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(450</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(1,435</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(2,085</TD>
    <TD STYLE="padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">(12,119</TD>
    <TD STYLE="padding: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 1px">Recoveries</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">219</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">25</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">132</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">1,037</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">329</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">386</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">463</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding: 0 0 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0; text-align: right">2,591</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; border-bottom: Black 1px solid; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0"><B>Allowance for loan and lease losses at end of period</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>9,435</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>10,235</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>96,783</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>45,950</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>90,582</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>22,037</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>11,663</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>286,685</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0">Reserve for unfunded lending commitments at beginning of period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">4,010</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">345</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">1,629</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">6,478</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">562</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">2,078</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">1,535</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">$</TD>
    <TD STYLE="padding: 0; text-align: right">16,637</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0">Transition adjustment for ASC 326</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">1,025</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">627</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(991</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">3</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">743</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(812</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(1,470</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(875</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0">Reserve for unfunded lending commitments, as adjusted</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">5,035</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">972</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">638</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">6,481</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">1,305</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">1,266</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">65</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0; text-align: right">15,762</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0">Provision for (reversal of) unfunded commitments</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">492</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">418</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">91</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">925</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">215</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">433</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">(34</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">)</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right">2,540</TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0"><B>Reserve for unfunded lending commitments at end of period</B></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>5,527</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>1,390</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>729</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>7,406</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>1,520</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>1,699</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>31</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1px solid; padding: 0; text-align: right"><B>18,302</B></TD>
    <TD STYLE="border-bottom: black 1px solid; padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding: 0"><B>Allowance for expected credit losses at end of period</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>14,962</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>11,625</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>97,512</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>53,356</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>92,102</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>23,736</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>11,694</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0"><B>$</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0; text-align: right"><B>304,987</B></TD>
    <TD STYLE="border-bottom: black 3px double; padding: 0">&nbsp;</TD></TR>
</TABLE>






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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="31" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">Three Months Ended March 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">Commercial</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">Real Estate</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">Consumer</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Construction</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Owner-<BR> occupied</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Non-<BR> owner-<BR> occupied</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Commercial<BR> and<BR> Industrial</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Residential<BR> Mortgage</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center">&nbsp;</TD><TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Home<BR> Equity</B></FONT></TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Other</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif; color: black"><B>Total</B></FONT></TD><TD STYLE="padding-bottom: 1px; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 28%; font: 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Allowance for loan and lease losses at beginning of period</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">4,743</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">12,549</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">34,514</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">54,096</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">12,998</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">10,181</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">11,490</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 5%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">140,571</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Provision for loan and lease losses</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">936</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,303</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">4,648</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">2,876</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,749</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,056</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">44</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">12,612</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Transfer of balance to OREO and other</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(2,881</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(4</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(2,885</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black">Charge-offs</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(72</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(4,931</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(28</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(1,401</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(2,486</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(8,918</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">Recoveries</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">3</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">35</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">65</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">446</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">32</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">314</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">691</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,586</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Allowance for loan and lease losses at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">5,682</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">13,815</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">39,227</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">52,487</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">11,870</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">10,146</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">9,739</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">142,966</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Reserve for unfunded commitments at beginning of period</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">3,249</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">316</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,304</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">6,198</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">866</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,783</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,114</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">14,830</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; padding-bottom: 1px">Provision for unfunded commitments</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">333</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">60</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">401</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">128</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">22</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">28</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">179</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,151</TD><TD STYLE="padding-bottom: 1px; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; padding-bottom: 1px">Reserve for unfunded commitments at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">3,582</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">376</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,705</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">6,326</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">888</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,811</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">1,293</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">15,981</TD><TD STYLE="padding-bottom: 1px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; padding-bottom: 3px">Allowance for credit losses at end of period</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">9,264</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">14,191</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">40,932</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">58,813</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">12,758</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">11,957</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">11,032</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">158,947</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left; border-bottom: Black 3px double">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Portfolio Segment Risk Factors</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">Commercial loans
and leases include commercial real estate loans, commercial and industrial loans, and equipment financing leases. Commercial real
estate loans include loans to commercial customers for medium-term financing of land and buildings or for land development or construction
of a building. These loans are repaid from revenues through operations of the businesses, rents of properties, sales of properties
and refinances. Commercial and industrial loans and leases represent loans to commercial customers to finance general working capital
needs, equipment purchases and leases and other projects where repayment is derived from cash flows resulting from business operations.
The Company originates commercial and industrial loans on a secured and, to a lesser extent, unsecured basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Consumer loans are offered by the Company in order to provide a full
range of retail financial services to its customers and include residential mortgages, home equity, credit card and other direct
consumer installment loans. Residential mortgage loans consist of loans to consumers to finance a primary or secondary residence.
The vast majority of the residential mortgage loan portfolio is comprised of non-conforming 1-4 family mortgage loans secured by
properties located in the Company&rsquo;s market areas and originated under terms and documentation that permit their sale in a secondary
market. The Company originates substantially all of its consumer loans in its primary market areas. Loans in the consumer segment
are sensitive to property values, unemployment levels, and other key consumer economic measures. Prior to January 1, 2020, residential
mortgage loans were in a separate portfolio segment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><B>Credit Quality Indicators</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">For commercial loans
and leases, the Company utilizes regulatory classification ratings to monitor credit quality. Loans with a &ldquo;pass&rdquo; rating
are those that the Company believes will be fully repaid in accordance with the contractual loan terms. Commercial loans and leases
that are &ldquo;criticized&rdquo; are those that have some weakness or potential weakness that indicate an increased probability
of future loss. &ldquo;Criticized&rdquo; loans are grouped into three categories: &ldquo;special mention&rdquo;, &ldquo;substandard&rdquo;,
and &ldquo;doubtful&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">Special mention loans
and leases have potential weaknesses that, if left uncorrected, may result in deterioration of the Company&rsquo;s credit position at
some future date. Substandard commercial loans and leases have well-defined weaknesses and are characterized by the distinct possibility
that the Company will sustain some loss if the deficiencies are not corrected. Doubtful commercial loans and leases have the same
weaknesses as substandard loans and leases with the added characteristics that the probability of loss is high and collection of
the full amount is improbable. Substandard and doubtful loans are collectively referred to as &ldquo;classified&rdquo; loans and
leases. Regulatory classification ratings for commercial loans and leases are updated annually.</P>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">For consumer loans, the Company utilizes FICO scores to monitor credit
quality as these are widely accepted measures of a borrower&rsquo;s risk of non-repayment over the life of a loan. FICO scores are updated
quarterly. Prior to January 1, 2020, the Company&rsquo;s primary credit quality indicator for residential mortgage and consumer
loans was the loan&rsquo;s payment and delinquency status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">The Company&rsquo;s investment in loans by credit quality indicator
and year of origination is presented in the following tables. Asset risk classifications for commercial loans and leases reflect
the classification as of March 31, 2020. FICO scores for consumer loans are updated on a quarterly basis. Credit quality information
in the tables reflects the amortized cost basis of all loans, excluding $65.9 million of accrued interest, which is included as
a component of other assets in the unaudited consolidated balance sheet.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: black; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="22" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Term Loans</TD><TD STYLE="padding-bottom: 1px; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2019</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2018</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2017</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2016</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Prior</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Revolving<BR> loans</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Revolving<BR> loans<BR> Converted<BR> to Term</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Commercial loans and leases</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Real Estate-Construction</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 28%; color: black; padding-left: 10pt">Pass</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">45,117</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">336,900</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">599,002</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">172,612</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">65,200</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">51,622</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">40,147</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">-</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">1,310,600</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left; padding-left: 10pt">Special Mention</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">10</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">105</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,156</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,271</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Substandard</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">9,213</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">475</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">65</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">9,753</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; padding-bottom: 1px; padding-left: 10pt">Doubtful</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">3</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">3</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Real Estate-Construction</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">45,117</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">336,900</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">608,215</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">172,612</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">65,210</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">52,205</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">42,368</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,322,627</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Real Estate-Owner-occupied</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Pass</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">69,996</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">379,882</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">319,249</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">357,057</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">274,226</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">895,032</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">66,866</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,362,308</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left; padding-left: 10pt">Special Mention</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">7,306</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">681</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">399</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,419</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">400</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">22,205</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Substandard</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">234</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,011</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,204</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,518</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">23,856</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">387</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">37,210</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; padding-bottom: 1px; padding-left: 10pt">Doubtful</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,416</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,416</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Real Estate-Owner-occupied</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">69,996</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">380,116</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">327,566</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">365,942</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">278,143</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">934,723</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">67,653</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,424,139</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold">Real Estate-Non-owner-occupied</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Pass</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">261,614</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,323,506</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">961,036</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">987,814</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">867,303</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,867,101</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">130,929</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,399,303</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left; padding-left: 10pt">Special Mention</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">806</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,497</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">10,248</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">14,561</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,900</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">29,012</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Substandard</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">591</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,059</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">10,066</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,038</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">31,481</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">635</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">50,870</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; padding-bottom: 1px; padding-left: 10pt">Doubtful</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">104</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">4,968</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">5,072</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Real Estate-Non-owner-occupied</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">261,614</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,324,097</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">964,005</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">999,377</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">883,589</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,918,111</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">133,464</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">6,484,257</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Commercial and Industrial (1)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Pass</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">649,228</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,957,486</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,307,679</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">455,600</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">218,485</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">551,933</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,635,017</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,775,428</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left; padding-left: 10pt">Special Mention</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">259</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,463</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">23,811</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">500</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,093</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,436</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">7,896</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">43,458</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-left: 10pt">Substandard</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,102</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">16,838</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,023</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">20,486</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,151</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">19,194</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,846</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">70,640</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; padding-bottom: 1px; padding-left: 10pt">Doubtful</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">5,323</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">9,517</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,353</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">648</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,474</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">20,315</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Commercial and Industrial</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">653,589</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,981,110</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,344,030</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">478,939</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">228,377</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">575,037</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,648,759</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">6,909,841</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 3px">Total Commercial Loans and Leases</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">1,030,316</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">4,022,223</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">3,243,816</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">2,016,870</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">1,455,319</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">3,480,076</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">1,892,244</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">17,140,864</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD></TR>
</TABLE>



<P STYLE="margin: 0; font: 3pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 10pt; text-align: left"><FONT STYLE="color: Black"><SUP>(1)</SUP></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: Black">Includes
                                                                                                                            equipment
                                                                                                                            financing
                                                                                                                            leases</FONT></TD>
</TR></TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: black; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="22" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Term Loans</TD><TD STYLE="padding-bottom: 1px; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2019</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2018</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2017</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">2016</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Prior</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Revolving<BR> loans</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Revolving<BR> loans<BR> Converted<BR> to Term</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font-weight: bold; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="padding-bottom: 1px; color: black; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Consumer Loans:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Residential Mortgage</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 28%; color: black; text-align: left">781 and above</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">45,204</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">332,402</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">263,099</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">185,336</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">153,118</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">387,923</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">-</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">-</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 4%; color: black; text-align: right">1,367,082</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">723-780</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">72,666</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">452,401</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">360,319</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">233,243</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">199,457</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">410,212</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,728,298</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">700-722</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">14,430</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">94,286</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">93,264</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">49,705</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">47,736</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">116,470</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">415,891</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">660-699</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,549</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">103,361</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">83,700</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">37,108</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">54,661</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">144,238</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">431,617</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">620-659</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,273</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">39,018</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">26,883</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">15,701</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">15,481</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">94,296</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">194,652</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">580-619</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,756</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">11,717</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,358</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">11,281</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">51,387</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">96,499</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; text-align: left; padding-bottom: 1px">579 and below</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">101,641</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">52,459</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">53,362</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">58,542</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">84,198</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">264,878</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">615,080</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Residential Mortgage</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">245,763</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,087,683</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">892,344</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">587,993</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">565,932</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,469,404</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">4,849,119</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Home Equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left">781 and above</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,052</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,710</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">28,297</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">16,579</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">15,903</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">56,995</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">374,502</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">21,481</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">524,519</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">723-780</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,160</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,680</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">25,948</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">19,278</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">25,677</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">81,172</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">498,082</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">27,061</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">692,058</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">700-722</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">103</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,226</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">7,915</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">7,696</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,276</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">18,320</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">130,949</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,029</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">185,514</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">660-699</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">747</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,823</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">10,975</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,434</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,112</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">32,755</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">163,267</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">17,238</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">241,351</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">620-659</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">351</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,418</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,894</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,355</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,630</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">19,419</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">73,928</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,822</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">118,817</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">580-619</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,735</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">875</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,331</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,006</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,581</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,452</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">27,526</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">6,484</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">60,990</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; text-align: left; padding-bottom: 1px">579 and below</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">5,988</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,742</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">10,009</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">5,850</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,592</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">18,201</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">45,334</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">12,788</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">103,504</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Home Equity</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">13,136</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">33,474</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">90,369</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">62,198</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">61,771</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">240,314</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,313,588</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">111,903</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,926,753</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left">Other Consumer Loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; text-align: left">781 and above</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,357</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">11,136</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,566</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">14,957</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,938</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">22,047</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">69,402</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">135,403</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">723-780</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,717</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">11,388</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">22,356</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">12,895</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,490</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">32,481</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">76,717</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">167,044</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">700-722</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,089</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">22,224</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,560</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,345</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,133</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">11,551</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">16,713</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">63,615</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">660-699</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,803</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,688</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">5,120</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,057</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,113</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">18,128</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">20,797</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">55,706</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black">620-659</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">751</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,245</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,432</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,702</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">3,745</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,142</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">13,553</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">34,570</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black">580-619</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">337</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,754</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">2,689</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">674</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">1,611</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">4,922</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">8,499</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">-</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">20,486</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; text-align: left; padding-bottom: 1px">579 and below</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">22,670</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,038</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">3,282</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">3,137</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">2,585</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">106,144</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">8,216</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">148,072</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Other Consumer</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">35,724</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">57,473</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">49,005</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">40,767</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">24,615</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">203,415</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">213,897</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">-</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">624,896</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 1px">Total Consumer Loans</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">294,623</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,178,630</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,031,718</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">690,958</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">652,318</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,913,133</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">1,527,485</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">111,903</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">7,400,768</TD><TD STYLE="padding-bottom: 1px; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 3px">Total Loans and Leases</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">1,324,939</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">5,200,853</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">4,275,534</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">2,707,828</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">2,107,637</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">5,393,209</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">3,419,729</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">111,903</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; text-align: right">24,541,632</TD><TD STYLE="padding-bottom: 3px; color: black; text-align: left">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">During the three months ended March 31, 2020, the Company converted
$6.6 million of revolving home equity loans to term loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black"><B>NOTE 6 - GOODWILL
AND OTHER INTANGIBLE ASSETS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black"><B>Goodwill</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Goodwill allocated to each reporting unit at March 31, 2020 and December
31, 2019 is provided in the following table:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 85%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font: 8pt Arial, Helvetica, Sans-Serif">
    <TD STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; padding-left: 10pt; text-indent: -10pt; padding-bottom: 1px">(in thousands)</TD><TD STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD><TD STYLE="color: black; font: bold 8pt Arial, Helvetica, Sans-Serif; padding-bottom: 1px; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 60%; color: black; padding-left: 10pt; text-indent: -10pt">IBERIABANK</TD><TD STYLE="width: 3%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 15%; color: black; text-align: right">1,203,810</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; color: black; text-align: left">$</TD><TD STYLE="width: 15%; color: black; text-align: right">1,203,810</TD><TD STYLE="width: 1%; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; padding-left: 10pt; text-indent: -10pt">Mortgage</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">23,178</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black">&nbsp;</TD>
    <TD STYLE="color: black; text-align: left">&nbsp;</TD><TD STYLE="color: black; text-align: right">23,178</TD><TD STYLE="color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="color: black; padding-bottom: 1px; padding-left: 10pt; text-indent: -10pt">LTC</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">8,545</TD><TD STYLE="color: black; text-align: left; padding-bottom: 1px; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; color: black; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; color: black; text-align: right">8,545</TD><TD STYLE="color: black; text-align: left; padding-bottom: 1px; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: black; font-weight: bold; padding-bottom: 3px; padding-left: 20pt; text-indent: -10pt">Total</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; font-weight: bold; text-align: right">1,235,533</TD><TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 3px; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="color: black; font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; color: black; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; color: black; font-weight: bold; text-align: right">1,235,533</TD><TD STYLE="color: black; font-weight: bold; text-align: left; padding-bottom: 3px; border-bottom: Black 3px double">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; border-top-width: 0pt; border-top-color: Black">The Company performed
the required annual goodwill impairment test as of October 1, 2019. The Company&rsquo;s annual impairment test did not indicate
impairment in any of the Company&rsquo;s reporting units as of the testing date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">During the first quarter of 2020 and through the date of the filing
of this Quarterly Report on Form 10-Q for the quarter ended March 31, 2020, management evaluated the events and changes in certain
circumstances that could indicate that goodwill might be impaired. In light of the COVID-19 pandemic and its impact on macroeconomic
conditions, the unprecedented economic uncertainty, and the significant declines in the Company&rsquo;s stock price and overall prices
in the equity markets, management concluded</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">that an interim
quantitative test was necessary for all reporting units. The Company factored in multiple economic scenarios, in an effort to take
into account the unprecedented economic uncertainty, and determined that the estimated fair value of each reporting unit exceeded
its carrying value. Therefore, the goodwill of each reporting unit was considered not to be impaired as of the testing date. The
goodwill impairment evaluation requires management to utilize significant judgments and assumptions which are based on the best
information available at the time. Results of future tests, if required, could vary in subsequent reporting periods if conditions
differ substantially from the assumptions utilized in completing the evaluations. The conclusion that no impairment exists may
change if the pandemic continues for an extended period of time or a recovery in economic activity is delayed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Mortgage Servicing
Rights</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Mortgage servicing
rights are recorded at the lower of cost or market value in other intangible assets on the Company&rsquo;s consolidated balance
sheets and amortized over the remaining servicing life of the loans, with consideration given to prepayment assumptions. Mortgage
servicing rights had the following carrying values as of the periods indicated:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Gross<BR>
 Carrying <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Valuation <BR>
Allowance</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Accumulated <BR>
Amortization</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Net<BR>
 Carrying<BR>
 Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Gross <BR>
Carrying <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Valuation <BR>
Allowance</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Accumulated <BR>
Amortization</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Net<BR>
 Carrying <BR>
Amount</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="width: 28%; text-align: left; font-size: 10pt">Mortgage servicing rights</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">24,870</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">(2,657</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">(7,451</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">14,762</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">22,476</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">(250</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">(6,621</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 5%; text-align: right; font-size: 10pt">15,605</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Intangible
assets subject to amortization</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Definite-lived
intangible assets included in other intangible assets on the Company&rsquo;s consolidated balance sheets had the following carrying
values as of the periods indicated:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Gross<BR>
 Carrying <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Accumulated <BR>
Amortization</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Net<BR>
 Carrying <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Gross<BR>
 Carrying <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid">Accumulated <BR>
Amortization</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Net<BR>
 Carrying <BR>
Amount</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="width: 40%; text-align: left; font-size: 10pt">Core deposit intangible assets</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">121,277</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">(70,758</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">50,519</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">136,183</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">(81,493</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">)</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">54,690</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Customer relationship intangible asset</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,348</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(1,341</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">7</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,385</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(1,371</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">14</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-bottom: 1px; font-size: 10pt">Non-compete agreement</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">206</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">(118</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">)</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">88</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">206</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">(110</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">)</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">96</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt; padding-left: 10pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">122,831</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">(72,217</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">)</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">50,614</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">137,774</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">(82,974</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">)</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">54,800</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 7 - DERIVATIVE
INSTRUMENTS AND OTHER HEDGING ACTIVITIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company enters
into derivative financial instruments to manage interest rate risk, exposures related to liquidity and credit risk, and to facilitate
customer transactions. The primary types of derivatives utilized by the Company for its risk management strategies include interest
rate swap agreements, interest rate</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">collars, interest
rate floors, interest rate lock commitments, forward sales commitments, written and purchased options, and credit derivatives.
All derivative instruments are recognized on the consolidated balance sheets as other assets or other liabilities at fair value,
regardless of whether a right of offset exists.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Cash flow hedge relationships mitigate exposure to the variability
of future cash flows or other forecasted transactions. The Company enters into interest rate swap agreements in a cash flow hedge
to convert forecasted variable interest payments to a fixed rate on its junior subordinated debt. In addition, the Company has
entered into interest rate collars and interest rate floors and designated the instruments as cash flow hedges of the risk of fluctuations
in interest rates, thereby reducing the Company&rsquo;s exposure to variability in cash flows from variable-rate loans.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For cash flow hedges, the effective and ineffective portions
of the gain or loss related to the derivative instrument is initially reported as a component of other comprehensive income and
subsequently reclassified into earnings when the forecasted transaction affects earnings or when the hedge is terminated. In applying
hedge accounting for derivatives, the Company establishes and documents a method for assessing the effectiveness of the hedging
derivative and a measurement approach for determining the ineffective aspect of the hedge upon the inception of the hedge.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For derivative instruments that are not designated as hedging
instruments, changes in the fair value of the derivatives are recognized in earnings immediately.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information pertaining to outstanding derivative instruments
was as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Derivative Assets - Fair Value</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Derivative Liabilities - Fair Value</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">December 31, <BR>
2019</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">December 31, <BR>
2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-left: 0pt">Derivatives designated as hedging instruments:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; text-align: left; padding-left: 20pt; text-indent: -10pt; padding-bottom: 1px">Interest rate contracts</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">$</TD><TD STYLE="width: 10%; text-align: right; border-bottom: Black 1px solid">41,200</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">$</TD><TD STYLE="width: 10%; text-align: right; border-bottom: Black 1px solid">18,967</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">$</TD><TD STYLE="width: 10%; text-align: right; border-bottom: Black 1px solid">11</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">$</TD><TD STYLE="width: 10%; text-align: right; border-bottom: Black 1px solid">&ndash;</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total derivatives designated as hedging instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">41,200</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">18,967</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">11</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">&ndash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt">Derivatives not designated as hedging instruments:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt">Interest rate contracts:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt">Customer swaps - upstream</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">18</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">10,510</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,055</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt">Customer swaps - downstream</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">222,769</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">77,934</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,680</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt">Forward sales contracts</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,987</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">420</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,656</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">986</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt">Written and purchased options</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,364</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,755</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,849</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,899</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 30pt; text-indent: -10pt; padding-bottom: 1px">Other contracts</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">187</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">66</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">754</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">179</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Total derivatives not designated as hedging instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">242,325</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">85,184</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">23,787</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 10pt; text-indent: -10pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">283,525</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">104,151</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">23,798</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
</TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Derivative Assets - Notional Amount</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Derivative Liabilities - Notional<BR>
 Amount</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold">Derivatives designated as hedging instruments:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 30%; text-align: left; padding-bottom: 1px; padding-left: 10pt">Interest rate contracts</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1px solid; text-align: right">800,000</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1px solid; text-align: right">800,000</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1px solid; text-align: right">108,500</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="width: 12%; border-bottom: Black 1px solid; text-align: right">108,500</TD><TD STYLE="width: 1%; border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total derivatives designated as hedging instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">800,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">800,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">108,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">108,500</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left">Derivatives not designated as hedging instruments:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 20pt">Interest rate contracts:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt">Customer swaps - upstream</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">48,215</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">430,808</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,855,442</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,237,542</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 20pt">Customer swaps - downstream</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,855,442</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,237,542</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48,215</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">430,808</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt">Forward sales contracts</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">196,388</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">44,011</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">463,108</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">230,998</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 20pt">Written and purchased options</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">699,162</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">268,590</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">136,043</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">121,981</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 20pt">Other contracts</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">114,755</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">108,008</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">251,173</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">183,243</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Total derivatives not designated as hedging instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">3,913,962</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">3,088,959</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">3,753,981</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">3,204,572</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">4,713,962</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">3,888,959</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">3,862,481</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">3,313,072</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company has entered into risk participation agreements with
counterparties to transfer or assume credit exposures related to interest rate derivatives. The notional amounts of risk participation
agreements sold were $251.2 million and $183.2 million at March 31, 2020 and December 31, 2019, respectively. Assuming all underlying
third party customers referenced in the swap contracts defaulted at March 31, 2020 and December 31, 2019, the exposure from these
agreements would not be material based on the fair value of the underlying swaps.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The Company is
party to collateral agreements with certain derivative counterparties. Such agreements require that the Company maintain collateral
based on the fair values of individual derivative transactions. In the event of default by the Company, the counterparty would
be entitled to the collateral.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At March 31, 2020 and December 31, 2019, the Company was required
to post $226.8 million and $79.6 million, respectively, in variation margin payments for its derivative transactions, which is
required to be netted against the fair value of the derivatives in other assets or other liabilities on the consolidated balance
sheets. The Company does not anticipate additional assets will be required to be posted as collateral, nor does it believe additional
assets would be required to settle its derivative instruments immediately if contingent features were triggered at March 31, 2020.
The Company&rsquo;s master netting agreements represent written, legally enforceable bilateral agreements that (1) create a single
legal obligation for all individual transactions covered by the master agreement and (2) in the event of default, provide the non-defaulting
counterparty the right to accelerate, terminate, and close-out on a net basis all transactions under the agreement and to promptly
liquidate or set-off collateral posted by the defaulting counterparty. The Company does not offset fair value amounts recognized
for the right to reclaim cash collateral or the obligation to return cash collateral against recognized fair value amounts of derivatives
executed with the same counterparty under a master netting agreement.</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The following
table reconciles the gross amounts presented in the consolidated balance sheets to the net amounts that would result in the event
of offset.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1px solid; text-align: center"><B>March 31, 2020</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="padding-bottom: 1px; text-align: center"><B>Gross<BR>
 Amounts</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Gross Amounts Not Offset in <BR>
the Balance Sheet</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt"><B>(in thousands)</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Presented in <BR>
the Balance <BR>
Sheet</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Derivatives</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Collateral</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="text-align: center; border-bottom: Black 1px solid"><B>Net</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivatives subject to master netting arrangements</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivative assets</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="width: 40%; text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts designated as hedging instruments</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 10%; text-align: right; font-size: 10pt">41,200</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 10%; text-align: right; font-size: 10pt">-</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 10%; text-align: right; font-size: 10pt">-</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 10%; text-align: right; font-size: 10pt">41,200</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts not designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">222,787</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(9,490</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">213,297</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt; font-size: 10pt">Written and purchased options</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">1,602</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">1,602</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 3px; padding-left: 0pt; font-size: 10pt">Total derivative assets subject to master netting arrangements</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">265,589</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">(9,490</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">)</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">256,099</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="padding-left: 0pt; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivative liabilities</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">11</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">11</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts not designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">10,528</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(9,490</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,038</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt; font-size: 10pt">Written and purchased options</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">1,602</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">1,602</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 3px; padding-left: 0pt; font-size: 10pt">Total derivative liabilities subject to master netting arrangements</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">12,141</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">(9,490</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">)</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">2,651</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="15" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1px solid; text-align: center"><B>December 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="padding-bottom: 1px; text-align: center"><B>Gross<BR>
 Amounts</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Gross Amounts Not Offset <BR>
in the Balance Sheet</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt"><B>(in thousands)</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Presented in<BR>
 the Balance <BR>
Sheet</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Derivatives</B></TD><TD STYLE="padding-bottom: 1px; text-align: center"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center"><B>Collateral</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="3" STYLE="text-align: center; border-bottom: Black 1px solid"><B>Net</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivatives subject to master netting arrangements</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivative assets</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">18,967</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">18,967</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts not designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">77,943</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(5,111</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">72,832</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt; font-size: 10pt">Written and purchased options</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">3,871</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">3,871</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 3px; padding-left: 0pt; font-size: 10pt">Total derivative assets subject to master netting arrangements</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">100,781</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">(5,111</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">)</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">95,670</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="padding-left: 0pt; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Derivative liabilities</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; padding-left: 10pt; font-size: 10pt">Interest rate contracts not designated as hedging instruments</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">6,735</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">(5,111</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">1,624</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt; font-size: 10pt">Written and purchased options</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">3,871</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">3,871</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Total derivative liabilities subject to master netting arrangements</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">10,606</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">(5,111</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">)</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">5,495</TD><TD STYLE="border-bottom: Black 3px double; font: bold 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">During the three
months ended March 31, 2020 and 2019, the Company did not reclassify into earnings any gain or loss as a result of the discontinuance
of cash flow hedges because it was probable the original forecasted transaction would not occur by the end of the originally specified
term.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At March 31, 2020, the Company did not expect to reclassify a
material amount from accumulated other comprehensive income into interest income over the next twelve months for derivatives that
will be settled.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">At March 31,
2020 and 2019, and for the three months then ended, information pertaining to the effect of the hedging instruments on the consolidated
financial statements was as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount of Gain (Loss)<BR>
 Recognized in OCI, net of <BR>
taxes</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: center"><B>Location</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount of Gain (Loss)<BR>
 Reclassified from AOCI <BR>
into Income, net of taxes</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: center"><B>Location of<BR>
    Gain <BR>
    (Loss) <BR>
    Recognized in <BR>
    Income on</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount of Gain (Loss)<BR>
 Recognized in Income on <BR>
Derivatives (Amount <BR>
Excluded from <BR>
Effectiveness Testing)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Including <BR>
Component</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Excluding <BR>
Component</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">of Gain<BR>
 (Loss) <BR>
Reclassified<BR>
from AOCI into <BR>
Income</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Including<BR>
 Component</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Excluding<BR>
 Component</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Derivatives <BR>
(Amount <BR>
Excluded <BR>
from Effectiveness<BR>
Testing)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Including<BR>
 Component</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Excluding<BR>
 Component</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="39" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">For the Three Months Ended March 31,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">Derivatives in Cash Flow Hedging Relationships</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="width: 34%; text-align: left; padding-left: 10pt">Interest rate contracts</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">10,441</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">10,628</TD><TD STYLE="width: 1%; text-align: right; vertical-align: bottom">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">(187</TD><TD STYLE="width: 1%; text-align: left; vertical-align: bottom">)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: left">Interest expense</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">442</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">707</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">(265</TD><TD STYLE="width: 1%; text-align: left; vertical-align: bottom">)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: left">Interest expense</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; vertical-align: bottom">$</TD><TD STYLE="width: 3%; text-align: right; vertical-align: bottom">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="11" STYLE="text-align: center; border-bottom: Black 1px solid"><B>2019</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="11" STYLE="text-align: center; border-bottom: Black 1px solid"><B>2019</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD><TD STYLE="padding-bottom: 1px"><B>&nbsp;</B></TD>
    <TD COLSPAN="11" STYLE="text-align: center; border-bottom: Black 1px solid"><B>2019</B></TD></TR>
<TR STYLE="background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 10pt">Interest rate contracts</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">(2,185</TD><TD STYLE="text-align: left; vertical-align: bottom">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">(3,098</TD><TD STYLE="text-align: left; vertical-align: bottom">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">913</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">Interest expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">(227</TD><TD STYLE="text-align: left; vertical-align: bottom">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">(69</TD><TD STYLE="text-align: left; vertical-align: bottom">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">(158</TD><TD STYLE="text-align: left; vertical-align: bottom">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">Interest expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left; vertical-align: bottom">$</TD><TD STYLE="text-align: right; vertical-align: bottom">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Information pertaining
to the effect of derivatives not designated as hedging instruments on the consolidated financial statements as of March 31, was
as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount of Gain (Loss) Recognized in <BR>
Income on Derivatives</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: center">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">For the Three Months Ended March <BR>
31,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Location of Gain (Loss) Recognized in Income on Derivatives</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="width: 24%; text-align: left; font-size: 10pt">Interest rate contracts (1)</TD><TD STYLE="width: 5%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 24%; text-align: center; font-size: 10pt">Commission income</TD><TD STYLE="width: 5%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 16%; text-align: right; font-size: 10pt">3,759</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 16%; text-align: right; font-size: 10pt">4,181</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Foreign exchange contracts</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 10pt">Other income</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">-</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">5</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Forward sales contracts</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 10pt">Mortgage income</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(10,910</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(3,209</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Written and purchased options</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: center; font-size: 10pt">Mortgage income</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">12,659</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,863</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; font-size: 10pt">Other contracts</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-bottom: 1px; font-size: 10pt">Other income</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">(454</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">)</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">(9</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">Total</TD><TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3px; text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">5,054</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">2,831</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; width: 80%">                                                                                                                                                  <TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 12pt; text-align: left"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">Includes fees associated with customer interest rate contracts</TD>
</TR></TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 8 - SHAREHOLDERS&rsquo; EQUITY, CAPITAL RATIOS AND OTHER
REGULATORY MATTERS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-bottom-width: 0pt; border-bottom-color: Black"><B>Preferred
Stock</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-bottom-width: 0pt; border-bottom-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table presents a summary of the Company&rsquo;s
non-cumulative perpetual preferred stock:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Issuance <BR>
Date</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Earliest<BR>
 Redemption <BR>
Date</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Annual<BR>
 Dividend <BR>
Rate</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Liquidation <BR>
Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Carrying&nbsp;Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Carrying&nbsp;Amount</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="width: 24%; text-align: left; font-size: 10pt">Series B Preferred Stock</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; font-size: 10pt">8/5/2015</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; font-size: 10pt">8/1/2025</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">6.625</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">%</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">80,000</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 14%; text-align: right; font-size: 10pt">76,812</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 14%; text-align: right; font-size: 10pt">76,812</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Series C Preferred Stock</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">5/9/2016</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: right; font-size: 10pt">5/1/2026</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.600</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">57,500</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">55,285</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">55,285</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="text-align: left; padding-bottom: 1px; font-size: 10pt">Series D Preferred Stock</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 1px; font-size: 10pt">4/4/2019</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 1px; font-size: 10pt">5/1/2024</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right; font-size: 10pt">6.100</TD><TD STYLE="padding-bottom: 1px; text-align: left; font-size: 10pt">%</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">100,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">96,388</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; font-size: 10pt">96,388</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 3px; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 3px; text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 3px; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">237,500</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">228,485</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right; font-size: 10pt">228,485</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black; text-indent: 20pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black"><B>Common
Stock</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black; border-bottom-width: 0pt; border-bottom-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In 2019, the Company announced a Board-approved share repurchase
program for up to 1,600,000 shares, or approximately 3% of total common shares outstanding at the time of the announcement. The
Company did not repurchase any common shares during the three months ended March 31, 2020. At March 31, 2020, there were 1,165,000
remaining shares that could be repurchased under the current plan. No further common stock repurchases are expected due to the
pending merger with First Horizon. During the three months ended March 31, 2019, the Company repurchased 387,921 common shares
for approximately $29.9 million at a weighted average cost of $77.19 per share.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Regulatory
Capital</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company and IBERIABANK are subject to various regulatory
capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate
certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material
effect on the Company&rsquo;s consolidated financial statements. Under capital adequacy regulations and the regulatory framework
for prompt corrective action, the Company and IBERIABANK, as applicable, must meet specific capital guidelines that involve quantitative
measures of their assets,</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">liabilities and
certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are
also subject to qualitative judgments by the regulators about components, risk weightings and other factors.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">As of March 31,
2020, the Company and IBERIABANK met all capital adequacy requirements to which they are subject. As of March 31, 2020, the most
recent notification from the FRB categorized IBERIABANK as well-capitalized under the regulatory framework for prompt corrective
action (the prompt corrective action requirements are not applicable to the Company). To be categorized as well-capitalized, an
institution must maintain minimum Total risk-based, Tier 1 risk-based, Common Equity Tier 1, and Tier 1 leverage ratios as set
forth in the following table. There are no conditions or events since the notification that management believes have changed that
categorization.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">In response to
the COVID-19 pandemic, during the first quarter of 2020, the joint federal bank regulatory agencies issued an interim final rule
that allows financial institutions to mitigate the effects of the adoption of CECL on regulatory capital. Because the Company adopted
CECL as of January 1, 2020, it has elected to mitigate the estimated cumulative effects of adoption on regulatory capital for two
years, after which the effects of adoption will be phased-in over a three-year period from January 1, 2022 through December 31,
2024. Under the interim final rule, the adjustments to regulatory capital that are deferred until the phase-in period include both
the initial impact of the adoption of CECL at January 1, 2020 on retained earnings, as well as 25% of the subsequent change in
the Company&rsquo;s total allowance for expected credit losses during each three-month period of the two-year period ending December
31, 2021. Capital amounts and ratios at March 31, 2020 in the table below reflect the adoption of the CECL regulatory capital adjustment.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The Company&rsquo;s
and IBERIABANK&rsquo;s actual capital amounts and ratios as of March 31, 2020 and December 31, 2019 are presented in the following
tables:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="23" STYLE="border-bottom: Black 1px solid; text-align: center"><B>March 31, 2020</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Minimum</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Well-Capitalized</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Actual</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt"><B>(in thousands)</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Ratio</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Ratio</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center">Ratio</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Tier 1 Leverage</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="width: 40%; padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">1,228,618</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">4.00</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">%</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">N/A</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">N/A</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">3,051,243</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">9.93</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,225,516</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,531,895</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">5.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">3,008,038</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">9.82</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Common Equity Tier 1 (CET1)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">1,216,954</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.50</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">2,822,758</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">10.44</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,212,501</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.50</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,751,390</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.50</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">3,008,038</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.16</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Tier 1 Risk-Based Capital</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">1,622,605</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.00</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">3,051,243</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.28</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,616,668</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,155,557</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">3,008,038</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.16</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Total Risk-Based Capital</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">2,163,474</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">3,375,550</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">12.48</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,155,557</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,694,446</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">10.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">3,215,845</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.94</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="23" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Minimum</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Well-Capitalized</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Actual</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Ratio</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Ratio</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Ratio</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Tier 1 Leverage</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="width: 40%; padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">1,220,289</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">4.00</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">%</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">N/A</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">N/A</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">3,021,004</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">9.90</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,217,638</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,522,048</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">5.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,949,533</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">9.69</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Common Equity Tier 1 (CET1)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">1,194,765</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.50</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">2,792,520</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">10.52</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,191,062</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">4.50</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,720,423</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.50</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,949,533</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.14</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Tier 1 Risk-Based Capital</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">1,593,020</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.00</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">3,021,004</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.38</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">1,588,083</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">6.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,117,444</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,949,533</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.14</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 0pt; font-size: 10pt">Total Risk-Based Capital</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255); font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">Consolidated</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">2,124,026</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">N/A</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">$</TD><TD STYLE="text-align: right; font-size: 10pt">3,300,730</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">12.43</TD><TD STYLE="text-align: left; font-size: 10pt">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 10pt">
    <TD STYLE="padding-left: 10pt; font-size: 10pt">IBERIABANK</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,117,444</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">8.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,648,805</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">10.00</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">3,112,758</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">11.76</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Minimum capital
ratios are subject to a capital conservation buffer. In order to avoid limitations on distributions, including dividend payments,
and certain discretionary bonus payments to executive officers, an institution must hold a capital conservation buffer above its
minimum risk-based capital requirements. This capital conservation buffer is calculated as the lowest of the differences between
the actual CET1 ratio, Tier 1 Risk-Based Capital Ratio, and Total Risk-Based Capital ratio and the corresponding minimum ratios.
At March 31, 2020, the required minimum capital conservation buffer was 2.50%. At March 31, 2020, the capital conservation buffers
of the Company and IBERIABANK were 4.48% and 3.94%, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 9 - EARNINGS PER SHARE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The computations
of basic and diluted earnings per share were as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1px solid; font-weight: bold; text-align: center; font-size: 8pt">Three Months Ended March 31,</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; font-size: 8pt">(in thousands, except per share data)</TD><TD STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; font-size: 8pt">2020</TD><TD STYLE="font-weight: bold; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; font-size: 8pt">2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold">Earnings Per Common Share - Basic:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 56%; text-align: left">Net income</TD><TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right">36,425</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right">100,131</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left">Preferred stock dividends</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,598</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,598</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px">Dividends and undistributed earnings allocated to unvested restricted shares</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">(367</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">)</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">(933</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 3px">Earnings allocated to common shareholders - basic</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">32,460</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">95,600</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Weighted average common shares outstanding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,979</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,177</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>Earnings per common share - basic</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.62</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.76</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold">Earnings Per Common Share - Diluted:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left">Earnings allocated to common shareholders - basic</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">32,460</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">95,600</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px">Adjustment for undistributed earnings allocated to unvested restricted shares</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">(3</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">)</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">(42</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">)</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 56%; text-align: left; padding-bottom: 3px">Earnings allocated to common shareholders - diluted</TD><TD STYLE="width: 8%; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 3px double">$</TD><TD STYLE="width: 12%; text-align: right; border-bottom: Black 3px double">32,457</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 3px double">&nbsp;</TD><TD STYLE="width: 8%; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; border-bottom: Black 3px double">$</TD><TD STYLE="width: 12%; text-align: right; border-bottom: Black 3px double">95,558</TD><TD STYLE="width: 1%; text-align: left; border-bottom: Black 3px double">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Weighted average common shares outstanding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,979</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,177</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px">Dilutive potential common shares</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">217</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1px solid">362</TD><TD STYLE="text-align: left; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Weighted average common shares outstanding - diluted</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">52,196</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,539</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>Earnings per common share - diluted</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.62</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.75</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">For the three
months ended March 31, 2020 and 2019, the calculations for basic shares outstanding excluded weighted average shares owned by the
RRP of 608,128 and 564,188, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The effects from the assumed exercises of 517,900 and 155,757
stock options were not included in the computation of diluted earnings per share for the three months ended March 31, 2020 and
2019, respectively, because they were anti-dilutive.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 10 - FAIR VALUE MEASUREMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Recurring
fair value measurements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The following
table presents information about the Company&rsquo;s assets and liabilities that are measured at fair value on a recurring basis
as of March 31, 2020 and December 31, 2019 and their classification within the fair value hierarchy. See Note 1, Summary of Significant
Accounting Policies, in the 2019 10-K, for a description of how fair value measurements are determined.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">March 31, 2020</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 1</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 2</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 3</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Total</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-left: 0pt">Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; text-align: left; padding-left: 10pt">Securities available for sale</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">3,914,960</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">3,914,960</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">207,845</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">207,845</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for investment, at fair value option</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,779</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">Derivative instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">283,525</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">283,525</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">4,406,330</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">2,779</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">4,409,109</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-left: 0pt">Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">Derivative instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">23,798</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">23,798</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">23,798</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">23,798</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>December 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 1</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 2</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 3</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Total</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold">Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Securities available for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,933,360</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,933,360</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">213,357</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">213,357</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for investment, at fair value option</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,792</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,792</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">Derivative instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">104,151</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">104,151</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">4,250,868</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">2,792</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">4,253,660</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-left: 0pt">Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">Derivative instruments</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: right">11,799</TD><TD STYLE="border-bottom: Black 3px double; font-weight: bold; text-align: left">&nbsp;</TD></TR>
</TABLE>
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0;"><B>Non-recurring
fair value measurements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company holds
certain assets that are measured at fair value only in certain circumstances, such as impairment. The following table presents
information about the Company&rsquo;s assets that are measured at fair value and still held as of March 31, 2020 and December 31,
2019 for which a non-recurring fair value adjustment was recorded during the periods then ended. See Note 1, Summary of Significant
Accounting Policies, in the 2019 10-K, for a description of how fair value measurements are determined.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">March 31, 2020</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Level 1</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Level 2</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Level 3</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Total</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold">Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; text-align: left; padding-left: 10pt">Impaired loans</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">87,227</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">87,227</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">OREO, net</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">6,869</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">6,869</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">94,096</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">94,096</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>December 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 1</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 2</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Level 3</B></TD><TD STYLE="padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; text-align: center; font-size: 8pt"><B>Total</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold">Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Impaired loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">74,763</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">74,763</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 10pt">OREO, net</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">4,907</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">4,907</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 3px; padding-left: 20pt">Total</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">-</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">79,670</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">79,670</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company did
not record any liabilities at fair value for which measurement of the fair value was made on a non-recurring basis as of March
31, 2020 and December 31, 2019.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Fair value
option</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company has
elected the fair value option for originated residential mortgage loans held for sale, which allows for a more effective offset
of the changes in fair values of the loans and the derivative instruments used to hedge them without the burden of complying with
the requirements for hedge accounting. The Company also has a portion of mortgage loans held for investment for which the fair
value option was elected upon origination and which continue to be accounted for at fair value at March 31, 2020 and December 31,
2019, respectively.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table summarizes the difference between the aggregate
fair value and the aggregate unpaid principal balance for mortgage loans held for sale and mortgage loans held for investment measured
at fair value:</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">March 31, 2020</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1px solid; text-align: center"><B>December 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1px">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Fair Value</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Unpaid <BR>
Principal</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Fair Value <BR>
Less <BR>
Unpaid <BR>
Principal</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Fair Value</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Unpaid <BR>
Principal</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid">Aggregate <BR>
Fair Value <BR>
Less <BR>
Unpaid <BR>
Principal</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="width: 40%; text-align: left; font-size: 10pt">Mortgage loans held for sale, at fair value</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">207,845</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">201,259</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">6,586</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">213,357</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">207,481</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-size: 10pt">$</TD><TD STYLE="width: 6%; text-align: right; font-size: 10pt">5,876</TD><TD STYLE="width: 1%; text-align: left; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="text-align: left; font-size: 10pt">Mortgage loans held for investment, at fair value</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,779</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,804</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(25</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,792</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">2,922</TD><TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: right; font-size: 10pt">(130</TD><TD STYLE="text-align: left; font-size: 10pt">)</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">Interest income
on mortgage loans held for sale and mortgage loans held for investment at fair value option is recognized based on contractual
rates and is reflected in interest income on loans held for sale in the consolidated statements of comprehensive income. The following
table details net gains (losses) resulting from the change in fair value of loans that were recorded in mortgage income in the
consolidated statements of comprehensive income for the three months ended March 31, 2020 and 2019. The changes in fair value are
mostly offset by economic hedging activities, with an insignificant portion of these changes attributable to changes in instrument-specific
credit risk.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 90%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">Net Gains (Losses) Resulting From Changes in Fair <BR>
Value</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; padding-bottom: 1px">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center; border-bottom: Black 1px solid">For the Three Months Ended March 31,</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black">(in thousands)</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center">2020</TD><TD STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; font: bold 8pt Arial, Helvetica, Sans-Serif; color: black; text-align: center">2019</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt; background-color: rgb(229,255,255)">
    <TD STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; color: black">Fair value option</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt; background-color: White">
    <TD STYLE="width: 45%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Mortgage loans held for sale, at fair value</TD><TD STYLE="width: 3%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 20%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">711</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">$</TD><TD STYLE="width: 20%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">652</TD><TD STYLE="width: 1%; font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt; background-color: rgb(229,255,255)">
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">Mortgage loans held for investment, at fair value</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">-</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black">&nbsp;</TD>
    <TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: right">191</TD><TD STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: black; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 11 - FAIR VALUE OF FINANCIAL INSTRUMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black">The carrying
amount and estimated fair values of the Company&rsquo;s financial instruments, as well as the level within the fair value hierarchy,
are included in the tables below. See Note 1, Summary of Significant Accounting Policies, in the 2019 10-K, for a description of
how fair value measurements are determined.</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="19" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">March 31, 2020</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">(in thousands)</TD>
    <TD STYLE="padding-bottom: 1px; font-size: 8pt"></TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Carrying Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Fair Value</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 1</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 2</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 3</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; text-align: left; border-bottom: Black 1px solid">Measurement Category</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold">Fair Value</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 25%; text-align: left; padding-left: 10pt">Securities available for sale</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,914,960</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,914,960</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,914,960</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">207,845</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">207,845</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">207,845</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for investment, at fair value option</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,779</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Derivative instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">283,525</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">283,525</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">283,525</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Derivative instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,798</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,798</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,798</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left">Amortized Cost</TD>
    <TD></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 25%; text-align: left; padding-left: 10pt">Cash and cash equivalents</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">945,062</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">945,062</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">945,062</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Securities held to maturity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">177,960</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">186,396</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">186,396</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Loans and leases, carried at amortized cost, net of unearned income and allowance for loan and lease losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,254,947</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,209,165</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,209,165</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,526,237</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,547,705</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,547,705</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Short-term borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">390,747</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">390,747</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">172,747</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">218,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Long-term debt</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,288,172</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,261,688</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,261,688</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="19" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">December 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">(in thousands)</TD>
    <TD STYLE="padding-bottom: 1px; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Carrying<BR>
 Amount</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Fair Value</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 1</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 2</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Level 3</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="font-weight: bold; text-align: left; border-bottom: Black 1px solid">Measurement Category</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1px; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold">Fair Value</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 25%; text-align: left; padding-left: 10pt">Securities available for sale</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,933,360</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,933,360</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">3,933,360</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for sale</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">213,357</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">213,357</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">213,357</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Mortgage loans held for investment, at fair value option</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,792</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,792</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,792</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Derivative instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">104,151</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">104,151</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">104,151</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Derivative instruments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,799</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,799</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,799</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left">Amortized Cost</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Cash and cash equivalents</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">894,723</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">894,723</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">894,723</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; padding-left: 10pt">Securities held to maturity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">182,961</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">189,899</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">189,899</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 25%; text-align: left; padding-left: 10pt">Loans and leases, carried at amortized cost, net of unearned income and allowance for loan and lease losses</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">23,874,911</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">23,732,650</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">23,732,650</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">Financial Liabilities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,219,349</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,229,566</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,229,566</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Short-term borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">204,208</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">204,208</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">204,208</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 10pt">Long-term debt</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,343,687</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,296,696</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,296,696</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The fair value
estimates presented herein are based upon pertinent information available to management as of March 31, 2020 and December 31, 2019.
Although management is not aware of any factors that would significantly affect the estimated fair value amounts, such amounts
have not been comprehensively revalued for purposes of these financial statements since these dates and, therefore, current estimates
of fair value may differ significantly from the amounts presented herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 12 - BUSINESS SEGMENTS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Each of the Company&rsquo;s
reportable operating segments serves the specific needs of the Company&rsquo;s customers based on the products and services it
offers. The reportable segments are based upon those revenue-producing components for which separate financial information is produced
internally and primarily reflect the manner in which resources are allocated and performance is assessed. Further, the reportable
operating segments are also determined based on the quantitative thresholds prescribed within ASC Topic 280, <I>Segment Reporting</I>,
and consideration of the usefulness of the information to the users of the consolidated financial statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company reports the results of its operations through three
reportable segments: IBERIABANK, Mortgage, and LTC. The IBERIABANK segment represents the Company&rsquo;s commercial and retail
banking functions, including its lending, investment, and deposit activities. IBERIABANK also includes the Company&rsquo;s wealth
management, capital markets, and other corporate functions. The Mortgage segment represents the Company&rsquo;s origination, funding,
and subsequent sale of one-to-four family residential mortgage loans. The LTC segment represents the Company&rsquo;s title insurance
and loan closing services.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Certain expenses not directly attributable to a specific reportable
segment are allocated to segments based on pre-determined methods that reflect utilization. Also within IBERIABANK are certain
reconciling items that translate reportable segment results into consolidated results. The following tables present certain information
regarding operations by reportable segment, including a reconciliation of segment results to reported consolidated results for
the periods presented. Reconciling items between segment results and reported results include:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding-left: 3pt">&bull;</TD>
    <TD STYLE="width: 96%">Elimination of interest income and interest expense representing
    interest earned by IBERIABANK on interest-bearing checking accounts held by related companies, as well as the elimination
    of the related deposit balances at the IBERIABANK segment;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt">&bull;</TD>
    <TD>Elimination of investment in subsidiary balances on certain operating
    segments included in total and average segment assets; and</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding-left: 3pt"><P STYLE="margin: 0pt 0; border-left-width: 0pt; border-left-color: Black">&bull;</P>
        <P STYLE="margin: 0pt 0; border-left-width: 0pt; border-left-color: Black">&nbsp;</P></TD>
    <TD STYLE="width: 96%">Elimination of intercompany due to and due from balances
    on certain operating segments that are included in total and average segment assets.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Three Months Ended March 31, 2020</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">IBERIABANK</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Mortgage</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">LTC</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Consolidated</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; text-align: left; padding-left: 0pt">Interest and dividend income</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">300,930</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,999</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">302,929</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Interest expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">72,587</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">72,587</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 10pt">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">228,343</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,999</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">230,342</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Provision for (reversal of) expected credit losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,960</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,971</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Mortgage income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,245</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,245</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Title revenue</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,936</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,936</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Other non-interest income (expense)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">35,465</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">35,475</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Allocated expenses (income)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,729</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,305</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">424</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt">Non-interest expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">155,333</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">16,910</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">5,184</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">177,427</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Income before income tax expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">41,244</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,028</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">328</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48,600</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Income tax expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">10,384</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">1,603</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">188</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">12,175</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 3px; padding-left: 10pt">Net income</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">30,860</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">5,425</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">140</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">36,425</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total loans, leases, and loans held for sale, net of unearned income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">24,522,757</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">226,720</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">24,749,477</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,914,337</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">298,030</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">27,616</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32,239,983</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,497,777</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">28,460</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,526,237</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0pt">Average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,694,266</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">264,341</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">27,532</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,986,139</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>

<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">Three Months Ended March 31, 2019</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; padding-left: 0pt; font-size: 8pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">IBERIABANK</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Mortgage</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">LTC</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: Black 1px solid; text-align: center; font-size: 8pt">Consolidated</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 40%; text-align: left; padding-left: 0pt">Interest and dividend income</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">324,644</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1,439</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">1</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 10%; text-align: right">326,084</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Interest expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">75,600</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">75,600</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 10pt">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">249,044</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,439</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">250,484</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Provision for (reversal of) credit losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13,823</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(60</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13,763</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Mortgage income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,849</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,849</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Title revenue</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,225</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,225</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Other non-interest income (expense)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">35,463</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(12</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(16</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">35,435</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Allocated expenses (income)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,033</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">533</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="padding-bottom: 1px; padding-left: 0pt">Non-interest expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">143,755</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">10,541</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">4,457</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">158,753</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt">Income before income tax expense</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">128,962</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,295</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">220</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">130,477</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-bottom: 1px; padding-left: 0pt">Income tax expense</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">29,975</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">307</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">64</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right">30,346</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 3px; padding-left: 10pt">Net income</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">98,987</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">988</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">156</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 3px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 3px double; text-align: left">$</TD><TD STYLE="border-bottom: Black 3px double; text-align: right">100,131</TD><TD STYLE="border-bottom: Black 3px double; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total loans, leases, and loans held for sale, net of unearned income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">22,944,800</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">151,946</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">23,096,746</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,044,209</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">191,254</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,726</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,260,189</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Total deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,078,698</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13,364</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,092,062</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0pt">Average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,660,806</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">148,174</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,520</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,833,500</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 13 - COMMITMENTS AND CONTINGENCIES</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-top-width: 0pt; border-top-color: Black"><B>Off-balance
sheet commitments</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the normal course of business, to meet the financing needs
of its customers, the Company is a party to credit-related financial instruments, with risk not reflected in the consolidated financial
statements. These financial instruments include commitments to extend credit, standby letters of credit, and commercial letters
of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized
in the consolidated balance sheets. The credit policies used for these commitments are consistent with those used for on-balance
sheet instruments. The Company&rsquo;s exposure to credit loss in the event of non-performance by its customers under such commitments
or letters of credit represents the contractual amount of the financial instruments as indicated in the table below. At March 31,
2020 and December 31, 2019, the fair value of guarantees under commercial and standby letters of credit was $2.8 million and $3.3
million, respectively. This fair value will decrease as the existing commercial and standby letters of credit approach their expiration
dates.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At March 31, 2020 and December 31, 2019, respectively, the Company
had the following financial instruments outstanding and related reserves, whose contract amounts represent credit risk:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom; font-size: 8pt">
    <TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">(in thousands)</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">March 31, 2020</TD><TD STYLE="font-weight: bold; padding-bottom: 1px; text-align: center; font-size: 8pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1px solid; font-size: 8pt">December 31,<BR>
 2019</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="width: 56%; text-align: left">Commitments to extend credit</TD><TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 16%; text-align: right">677,297</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 14%; text-align: right">806,164</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Unfunded commitments under lines of credit</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,006,974</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,240,808</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(229,255,255)">
    <TD STYLE="text-align: left">Commercial and standby letters of credit</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">277,415</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">327,336</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Reserve for unfunded lending commitments</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18,302</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,637</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Commitments to
extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.
Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee by the borrower.
Since many of the commitments are expected to be drawn upon, the total commitment amounts generally represents future cash requirements.
The Company evaluates each customer&rsquo;s creditworthiness on a case-by-case basis. The amount of collateral, if any, is based
on management&rsquo;s credit evaluation of the customer.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Unfunded commitments under commercial lines of credit, revolving
credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers.
Many of these types of commitments do not contain a specified maturity date and may not be drawn upon to the total extent to which
the Company is committed. See Note 5, Allowance for Expected Credit Losses and Credit Quality, for additional information related
to the Company&rsquo;s reserve for unfunded lending commitments.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Commercial and standby letters of credit are conditional commitments
issued by the Company to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support
public and private borrowing arrangements, including commercial paper issuance, bond financing, and similar transactions. The credit
risk involved in issuing letters of credit is essentially the</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">same as that
involved in extending loan facilities to customers. When necessary, they are collateralized, generally in the form of marketable
securities and cash equivalents.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Legal proceedings</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The nature of the business of the Company&rsquo;s banking and
other subsidiaries ordinarily results in a certain amount of claims, litigation, investigations, and legal and administrative cases
and proceedings, which are considered incidental to the normal conduct of business. Some of these claims are against entities or
assets of which the Company is a successor or acquired in business acquisitions. The Company has asserted defenses to these claims
and, with respect to such legal proceedings, intends to continue to defend itself vigorously, litigating or settling cases according
to management&rsquo;s judgment as to what is in the best interest of the Company and its shareholders.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In July of 2016,
the Company received a subpoena from the Office of Inspector General of the U.S. Department of Housing and Urban Development (&ldquo;HUD&rdquo;)
requesting information on certain previously originated loans insured by the Federal Housing Administration (&ldquo;FHA&rdquo;)
as well as other documents regarding the Company&rsquo;s FHA-related policies and practices. After the Company complied with the
subpoena, attorneys from the Department of Justice (&ldquo;DOJ&rdquo;) informed the Company in late March of 2017 that a civil
<I>qui tam</I> suit had been filed against the Company in federal court involving the subject matter of the HUD subpoena. The HUD
lawsuit was settled on December 11, 2017 in the amount of $11.7 million. On February 2, 2018, IBERIABANK filed a lawsuit in the
United States District Court for the Eastern District of Louisiana (New Orleans) against Illinois Union Insurance Company and Travelers
Casualty and Surety Company of America in an effort to recover the $11.7 million it paid to settle the HUD matter. IBERIABANK filed
that lawsuit to recover the insurance proceeds to which it claims to be entitled under certain Bankers&rsquo; Professional Liability
insurance policies issued by defendants Illinois Union and Travelers. More specifically, IBERIABANK alleges that the insurers have
failed to honor their obligations under the policies to pay IBERIABANK&rsquo;s losses in connection with the $11.7 million settlement
of disputed allegations relating to IBERIABANK&rsquo;s professional services in connection with certain mortgage loans insured
by the FHA. The judge in the federal lawsuit granted motion for summary judgment thereby dismissing the case. The Company appealed
that decision to the United States Court of Appeals for the Fifth Circuit. The appeal sought reversal of the summary judgment such
that the case could be remanded to the district court in an effort to recover the $11.7 million. The United States Court of Appeals
for the Fifth Circuit affirmed the decision in favor of Illinois Union Insurance Company and Travelers Casualty and Surety Company
of America.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">Four purported holders of IBKC common stock
have filed four putative stockholder class action complaints against IBKC and the members of IBKC&rsquo;s board of directors. The
complaints are captioned as follows: <I>Wang v. IBKC, et al., </I>No. 20-0105-LAP (S.D.N.Y filed January 6, 2020); <I>Parshall
v. IBKC, et al.</I>, No.20-00027-LPS (D. Del. filed January 8, 2020, includes First Horizon as a Defendant); <I>Hertz v. IBKC,
et al.,</I> No. 20-00267-MKB-LB (E.D.N.Y filed January 16, 2020); and <I>Cooksey v. IBKC, et al.,</I> No. 20-00431-FB-RER (E.D.N.Y.
filed January 26, 2020). The complaints assert claims under Section 14(a) of the Exchange Act and Rule 14a-9 thereunder against
IBKC and the members of IBKC&rsquo;s Board of Directors and under Section 20(a) of the Exchange Act against the members of IBKC&rsquo;s
Board of Directors for allegedly disseminating a false and misleading registration statement on Form S-4, filed by First Horizon
with the SEC on December 31, 2019. Among other remedies, the plaintiffs sought to enjoin the merger and any shareholder vote on
the merger and rescind the merger or recover damages in the event the</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">merger is completed. All four of these complaints
against IBKC and the members of IBKC&rsquo;s board of directors have recently been dismissed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company assesses
its liabilities and contingencies in connection with outstanding legal proceedings utilizing the latest information available.
Where it is probable that the Company will incur a loss and the amount of the loss can be reasonably estimated, the Company records
a liability in its consolidated financial statements. These legal reserves may be increased or decreased to reflect any relevant
developments on a quarterly basis. Where a loss is not probable or the amount of loss is not estimable, the Company does not accrue
legal reserves. While the outcome of legal proceedings is inherently uncertain, based on information currently available and available
insurance coverage, the Company&rsquo;s management believes that it has established appropriate legal reserves. Any incremental
liabilities arising from pending legal proceedings are not expected to have a material adverse effect on the Company&rsquo;s consolidated
financial statements. However, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to
the Company&rsquo;s consolidated financial statements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">As of the date of this filing, the Company believes the amount
of losses associated with legal proceedings that is reasonably possible to incur above amounts already accrued and reported as
of March 31, 2020 is not material.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>NOTE 14 - RELATED PARTY TRANSACTIONS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the ordinary
course of business, the Company may execute transactions with various related parties. Examples of such transactions may include
lending or deposit arrangements, transfers of financial assets, services for administrative support, and other miscellaneous items.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company has granted loans to executive officers and directors
and their affiliates. These loans, including the related principal additions, principal payments, and unfunded commitments are
not material to the consolidated financial statements at March 31, 2020 and December 31, 2019. There were no outstanding loans
to such related parties classified as non-accrual, past due, or troubled debt restructurings at March 31, 2020 and December 31,
2019.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Deposits from related parties held by the Company were not material
at March 31, 2020 and December 31, 2019.</P>

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<TYPE>EX-101.LAB
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<FILENAME>fhn-20200520_lab.xml
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
<!-- Created: Tue May 19 05:19:02 EDT 2020 -->
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xml:lang="en-US">Class of Stock [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonClassAMember" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonClassAMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonClassAMember_lbl" xml:lang="en-US">Common Class A [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonClassAMember" xlink:to="us-gaap_CommonClassAMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SeriesAPreferredStockMember" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeriesAPreferredStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeriesAPreferredStockMember_lbl" xml:lang="en-US">Series A Preferred Stock [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeriesAPreferredStockMember" xlink:to="us-gaap_SeriesAPreferredStockMember_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</label>
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    <loc xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl"/>
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    <loc xlink:type="locator" xlink:label="dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ClassOfStockDomain_lbl" xml:lang="en-US">Class of Stock [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl0" xml:lang="en-US">Local Phone Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl0" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl0" xml:lang="en-US">Pre-commencement Issuer Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl0" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl0" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl0" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl0" xml:lang="en-US">Pre-commencement Tender Offer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl0" xml:lang="en-US">Entity Address, State or Province</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl0" xml:lang="en-US">Trading Symbol</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl0" xml:lang="en-US">Soliciting Material</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl0" xml:lang="en-US">Written Communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl0" xml:lang="en-US">Document Period End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl0" xml:lang="en-US">Amendment Flag</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl0" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl0" xml:lang="en-US">Entity Tax Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl0" xml:lang="en-US">Entity Address, Postal Zip Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl0"/>
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    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6633658528">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>May 20, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">First Horizon National Corporation<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000036966<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May 20,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-15185<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">62-0803242<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">165
Madison Avenue<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Memphis<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">38103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">901<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">523-4444<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember', window );">Common Class A [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">$0.625 Par Value Common Capital Stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
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