<SEC-DOCUMENT>0001144204-18-002954.txt : 20180122
<SEC-HEADER>0001144204-18-002954.hdr.sgml : 20180122
<ACCEPTANCE-DATETIME>20180122095852
ACCESSION NUMBER:		0001144204-18-002954
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20180122
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20180122
DATE AS OF CHANGE:		20180122

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY BANK SYSTEM, INC.
		CENTRAL INDEX KEY:			0000723188
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				161213679
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13695
		FILM NUMBER:		18538990

	BUSINESS ADDRESS:	
		STREET 1:		5790 WIDEWATERS PKWY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214
		BUSINESS PHONE:		8007242262

	MAIL ADDRESS:	
		STREET 1:		5790 WIDEWATERS PARKWAY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc
		DATE OF NAME CHANGE:	20130729

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc.
		DATE OF NAME CHANGE:	20130726

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK SYSTEM INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>tv483682_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="margin: 0"><B>&nbsp;</B></P>

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Washington, D.C.&nbsp;20549</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FORM 8-K</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Pursuant to Section 13 OR 15(d)
of the Securities Exchange Act of 1934</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">Date of Report
</FONT>(Date of earliest event reported)<FONT STYLE="font-size: 10pt">: January 22, 2018</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="tv483682_img1.jpg" ALT="">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
its charter)</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">Delaware</FONT></TD>
    <TD NOWRAP STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">001-13695</FONT></TD>
    <TD NOWRAP STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">16-1213679</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="text-align: center">(State or other jurisdiction of incorporation)</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">(Commission File Number)</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">(I.R.S. Employer Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">5790 Widewaters Parkway, DeWitt, New York</FONT></TD>
    <TD STYLE="width: 10%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">13214-1883</FONT></TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(Address of principal executive offices)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">(Zip Code)</TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>(315) 445-2282</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Registrant's telephone number, including
area code)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">_________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former Name or Former Address, if Changed
Since Last Report)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">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">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD>Soliciting material pursuant to rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</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 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: right; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: right; margin-bottom: 0pt">Emerging growth company <FONT STYLE="font-family: Wingdings">&uml;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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. <FONT STYLE="font-family: Wingdings">&uml;</FONT></P>

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 2.02 Results of Operations and Financial Condition.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On January 22, 2018, Community Bank System, Inc. announced its
results of operations for the quarter ended December 31, 2017. The public announcement was made by means of a news release, the
text of which is set forth in Exhibit 99 hereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information in this Form 8-K, including Exhibit 99 attached
hereto, is being furnished under Item 2.02 and shall not be deemed to be &ldquo;filed&rdquo; for purposes of Section 18 of the
Securities Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;), or incorporated by reference in any filing under the Securities
Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 9.01 Financial Statements and Exhibits.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following exhibit is filed as a part of this report:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 93%; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><B>Exhibit No.</B></FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 87%; border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt"><B>Description</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><A HREF="tv483682_ex99.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">99</FONT></A></TD>
    <TD>&nbsp;</TD>
    <TD><A HREF="tv483682_ex99.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">Press Release, dated January 22, 2018</FONT></A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-variant: small-caps"><B><U>Signatures</U></B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Community Bank System, Inc.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">Date: </FONT>January 22, 2018</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Mark Tryniski</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Mark E. Tryniski, President, Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">and Director</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Date: </FONT>January 22, 2018</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Scott Kingsley</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Scott Kingsley, Executive Vice President and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>


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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>tv483682_ex99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%"><IMG SRC="tv483682_ex99-1img1.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="width: 47%">
        <P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>News Release</U></B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">For further information, please contact:</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>5790 Widewaters Parkway, DeWitt, N.Y. 13214</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Scott A. Kingsley, EVP &amp; Chief Financial
        Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Office: (315) 445-3121&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Community Bank System Reports</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Fourth Quarter and full
year 2017 Results</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-size: 10pt; padding-left: 12.5pt; text-indent: -12.5pt"><I>- Reported full year GAAP EPS of $3.03 per share and record Operating EPS of $2.64 per share, a 13.3% year-over-year improvement</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; padding-left: 12.5pt; text-indent: -12.5pt"><I>- Realized a one-time tax benefit of $38.0 million related to the revaluation of deferred tax assets and liabilities</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; padding-left: 12.5pt; text-indent: -12.5pt"><I>- Increased dividends to shareholders for the 25<SUP>th
    </SUP>consecutive year</I></TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; January 22, 2018 &mdash; Community Bank
System, Inc. (NYSE: CBU) reported fourth quarter 2017 net income of $72.0 million, or $1.40 per fully diluted share, compared with
$26.4 million, or $0.59 per share reported for the fourth quarter of 2016. Fourth quarter 2017&rsquo;s results included $0.8 million,
or $0.01 per share of acquisition expenses as well as an estimated $38.0 million, or $0.74 per share, one-time gain from the revaluation
of net deferred tax liabilities related to the recently enacted Tax Cuts and Jobs Act. Excluding acquisition expenses and the one-time
tax benefit, quarterly earnings per share were $0.67 per share, a 9.8% improvement over the fourth quarter of 2016. Full year diluted
earnings per share totaled $3.03 in 2017, compared to $2.32 per share in 2016. Excluding acquisition expenses and the one-time
tax benefit, full year earnings per share were a record $2.64, or 13.3% above the $2.33 per share of operating earnings generated
in 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;We realized another strong quarterly performance which
was positively impacted by our Northeast Retirement Services, Inc. (&ldquo;NRS&rdquo;) acquisition completed in February, and from
our Merchants Bancshares (&ldquo;Merchants&rdquo;) merger which closed in May,&rdquo; said President and Chief Executive Officer
Mark E. Tryniski. &ldquo;Both of these high-value transactions have performed above our initial expectations. NRS continued to
grow both its top and bottom line performance at a double-digit pace, and the Merchants integration has proceeded smoothly with
cost synergies running ahead of plan.&nbsp; Our accelerated operating performance also reflects improvements in core expense management
and growth in non-interest income, which contributed to the 10% increase in per share results (excluding acquisition expenses and
one-time tax benefits) compared with the fourth quarter of 2016. We expect to realize a significant ongoing benefit from the lower
federal income tax rate and our businesses are well positioned to continue delivering a high level of operating performance for
the benefit of our shareholders.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Total revenues for the fourth quarter of 2017 were&nbsp;$139.9
million, an increase of&nbsp;$31.0 million, or 28.5%, over the prior year quarter, and included a full quarter of revenues from
both the Merchants and NRS transactions completed in the first half of this year. Higher revenues were generated as a result of
a 22.0% increase in average earning assets and continued growth in noninterest income, partially offset by a two basis-point decline
in the net interest margin from the prior year quarter. A combination of acquired and organic growth resulted in a $12.4 million,
or 55.8% increase in wealth management, insurance, and employee benefit services revenues. Deposit service fees increased 21.1%
year-over-year, primarily the result of the addition of Merchants, as well as increased debit card-related revenues. Other banking
services declined $0.2 million from the fourth quarter of 2016, driven by an insurance-related gain experienced last year. The
quarterly provision for loan losses of&nbsp;$5.4 million&nbsp;was&nbsp;$2.7 million&nbsp;higher than the fourth quarter of 2016,
reflective of higher quarterly net charge-off levels, including a $3.1 million partial charge-off related to a single commercial
relationship. Non-performing asset and delinquent loan ratios were lower in comparison to the end of the fourth quarter of 2016,
but up from the end of the linked third quarter, and included the impact of the previously mentioned commercial relationship which
also added over $5.2 million to non-performing assets. Total operating expenses for the fourth quarter of 2017 were $86.9 million,
and included $0.8 million of non-recurring acquisition expenses related to the Merchants transaction. Excluding acquisition expenses
from both periods, total operating expenses of&nbsp;$86.1 million&nbsp;for the fourth quarter of 2017 were $20.9 million, or 32.0%
above the fourth quarter of 2016, and included the operating expenses from Merchants and NRS, as well as an additional $3.7 million
of intangible amortization, primarily from the two transactions.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Fourth quarter 2017 net interest income was $86.0 million, an
increase of $15.7 million, or 22.4%, compared to the fourth quarter of 2016, and included the impact of the Merchants acquisition.
A one basis-point increase in combined funding costs and a one basis point decline in earning asset yields, which included an incremental
$1.1 million in purchased loan accretion, resulted in a two basis-point decrease in net interest margin quarter-over-quarter. Average
loan balances grew $1.34 billion, or 27.2%, principally related to the Merchants transaction, while average loan yields increased
11 basis points quarter-over-quarter, including the incremental purchased loan accretion. Investment interest income was $0.5 million
higher than the fourth quarter of 2016, as average investment securities (including cash equivalents) balances increased by $346.5
million, while the yield on investments declined 33 basis points. Fourth quarter 2016 investment income included a non-recurring
dividend of $1.2 million from a limited partnership investment. Interest expense was $0.9 million higher than the previous year&rsquo;s
quarter, driven by a $235.4 million increase in average borrowings (including customer repurchase agreements) and a $1.44 billion
increase in average deposit balances, principally related to the Merchants transaction, and a net one basis point increase in the
cost of funds.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Wealth management and insurance services revenues increased
to $12.4 million, an increase of $1.9 million, or 17.7%, compared to the fourth quarter of 2016, driven by both acquired and organic
growth. Employee benefit services revenues of $22.2 million increased $10.5 million from the fourth quarter of 2016, primarily
attributable to the NRS acquisition.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Excluding acquisition expenses related to the Merchants&rsquo;
transaction, fourth quarter 2017 operating expenses of $86.1 million, which included a full quarter of operating activities from
both Merchants and NRS, increased $20.9 million over the fourth quarter of 2016. Salaries and employee benefits increased $11.0
million, or 30.2%, and included the personnel added from both transactions, as well as merit and performance-based increases. All
other expenses increased 34.3%, and reflected the occupancy, equipment and other operating costs of both Merchants and NRS, including
significantly higher intangible asset amortization, compared to the fourth quarter of 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the first quarter of 2017, the Company adopted new accounting
guidance for share-based transactions. That guidance requires that all excess tax benefits and tax deficiencies associated with
share-based compensation be recognized as income tax expense or benefit in the income statement. Previously, tax effects resulting
from changes in the Company&rsquo;s share price subsequent to the grant date of equity instruments were recorded through shareholders&rsquo;
equity at the time of vesting or exercise. The adoption of the amended accounting guidance resulted in a $2.2 million reduction
of income tax expense in the first quarter of 2017, or $0.04 of diluted earnings per common share, and a $0.3 million reduction
of income tax expense in the second, third and fourth quarters, or less than $0.01 per share each quarter. Excluding the estimated
one-time benefit from the revaluation of net deferred tax liabilities, the fourth quarter 2017 effective income tax was 28.6%,
down from 33.4% in the prior year quarter, and reflected the $0.3 million reduction in income tax expense related to this change
in accounting for share-based transactions, and also included the impact of the non-recurring acquisition expenses incurred in
2017, as well as changes related to state tax apportionment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company also provides supplemental reporting of its results
on a &ldquo;net adjusted&rdquo; or &ldquo;tangible&rdquo; basis, from which it excludes the after-tax effect of amortization of
core deposit and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances,
net of applicable deferred tax amounts), accretion on non-impaired purchased loans, expenses associated with acquisitions, and
the one-time benefit from the revaluation of net deferred tax liabilities. The amounts of such expenses are presented in the tables
that accompany this release. Although &ldquo;adjusted net income&rdquo; as defined by the Company is a non-GAAP measure, the Company&rsquo;s
management believes this information helps investors understand the effect of acquisition activity in its reported results. Adjusted
net earnings per share were $0.71 in the fourth quarter of 2017, compared to $0.62 in the fourth quarter of 2016, or a 14.5% increase.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Average earning assets of $9.37 billion for the fourth quarter
of 2017 were up $1.69 billion, or 22.0% from the fourth quarter of 2016, and included the loans and investments added in the Merchants
transaction. Similarly, average deposit balances grew $1.44 billion, or 20.3% compared to the fourth quarter of 2016. Average borrowings
(including customer repurchase agreements) in the fourth quarter of 2017 of $449.4 million, were $235.4 million higher than the
fourth quarter of 2016.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ending loans at December 31, 2017 increased $1.31 billion, or
26.4%, year-over-year, reflecting the Merchants acquisition. Investment securities totaled $3.08 billion at December 31, 2017,
down slightly from the end of the third quarter, and up from the end of the fourth quarter of 2016 due to investments added from
Merchants, and partially offset by limited reinvestment of securities cash flows over the last twelve months.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders&rsquo; equity of $1.64 billion at December 31,
2017 was $437.2 million, or 36.5%, higher than the prior year period, a result of strong earnings generation and capital retention
over the last four quarters, as well as incremental shares issued in conjunction with the NRS and Merchants acquisitions. The Company&rsquo;s
net tangible equity to net tangible assets ratio was 8.61% at December 31, 2017, down from 9.24% a year earlier, a result of the
two acquisitions completed in the first half of 2017. The Company&rsquo;s Tier 1 leverage ratio was 10.00% at the end of the fourth
quarter, compared to 10.55% a year earlier.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As previously announced in December 2016, the Company&rsquo;s
Board of Directors approved a stock repurchase program authorizing the repurchase of up to 2.2 million shares of the Company&rsquo;s
common stock during a twelve-month period starting January 1, 2017. Such repurchases may be made at the discretion of the Company&rsquo;s
senior management based on market conditions and other relevant factors and will be acquired through open market or privately negotiated
transactions as permitted under Rule 10b-18 of the Securities Exchange Act of 1934 and other applicable legal requirements. There
were no shares repurchased in 2017. In December 2017, the Company&rsquo;s Board of Directors reauthorized a new repurchase program
for 2018 for up to 2.5 million shares of the Company&rsquo;s common stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Despite the previously mentioned partial net charge-off of $3.1
million on a specific commercial relationship in the fourth quarter, the Company&rsquo;s asset quality metrics continue to illustrate
the long-term effectiveness of the Company&rsquo;s disciplined risk management and underwriting standards. Total net charge-offs
were $5.8 million for the fourth quarter, compared to $2.2 million for the fourth quarter of 2016 and $1.8 million for the third
quarter of 2017. Net charge-offs as an annualized percentage of average loans measured 0.37% in the fourth quarter of 2017, compared
to 0.18% in last year&rsquo;s fourth quarter and 0.11% in the third quarter of 2017. The full year net charge-off ratio in 2017
was 0.18%, compared to 0.13% in 2016. Nonperforming loans as a percentage of total loans at December 31, 2017 were 0.44%, improved
from 0.48% at December 31, 2016 and higher than the 0.37% level at September 30, 2017, primarily related to the one previously
mentioned commercial relationship. The total loan delinquency ratio of 1.10% at the end of the fourth quarter was nine basis points
lower than the level at December 31, 2016, and five basis points higher than this year&rsquo;s third quarter-end. The fourth quarter
provision for loan losses of $5.4 million was $2.7 million higher than the fourth quarter of 2016, and $3.1 million higher than
the third quarter of 2017. The allowance for loan losses to nonperforming loans was 173% at December 31, 2017, compared with the
199% and 205% levels at the end of the fourth quarter of 2016 and third quarter of 2017, respectively.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the fourth quarter of 2017 the Company declared a quarterly
cash dividend of $0.34 per share on its common stock, compared to a $0.32 dividend declared in the second quarter of 2017 and the
fourth quarter of 2016. This increase marked the 25<SUP>th</SUP> consecutive year of dividend increases for the Company. President
and Chief Executive Officer, Mark E. Tryniski, commented, &ldquo;The payment of a meaningful and growing dividend is an important
component of our commitment to provide consistent and favorable long-term returns to our shareholders. The increase reflected the
continued strength of our current operating performance and capital position.&rdquo; The two cent, or 6.3% increase in the Company&rsquo;s
quarterly cash dividend over the same quarter of the prior year, brought the dividend to a level that represents an annualized
yield of 2.5% based upon the closing price of $55.39 on January 19, 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Merchants Bancshares, Inc.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October 24, 2016, the Company announced that it had entered
into a definitive agreement to acquire Merchants Bancshares, Inc. (&quot;Merchants&quot;), parent company of Merchants Bank headquartered
in South Burlington, Vermont, for approximately $345.2 million in Company stock and cash. The acquisition was completed on May
12, 2017.&nbsp; The transaction extended the Company's footprint into the Vermont and Western Massachusetts markets.&nbsp; Upon
the completion of the merger, Community Bank added 31 branch locations in Vermont and one office in Western Massachusetts with
approximately $2.0 billion of assets and deposits of $1.5 billion.&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Northeast Retirement Services, Inc.&nbsp; </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On December 5, 2016, the Company announced that it had entered
into a definitive agreement to acquire Northeast Retirement Services, Inc. (&ldquo;NRS&rdquo;), a leading provider of plan accounting,
transfer agency, fund administration, trust and retirement plan services for approximately $148.6 million in Company stock and
cash. The acquisition was completed on February 3, 2017.</P>

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Company management will conduct an investor call at 11:00 a.m.
(ET) today, January 22, 2018, to discuss fourth quarter and full year 2017 results. The conference call can be accessed at 800-967-7137
(719-325-2437 if outside United States and Canada) using the conference ID code 9581617. Investors may also listen live via the
Internet at: http://www.webcaster4.com/Webcast/Page/995/24052.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This earnings release, including supporting financial tables,
is available within the press releases section of the Company's investor relations website at: <U>http://ir.communitybanksystem.com</U>.
An archived webcast of the earnings call will be available on this site for one full year.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Community Bank System, Inc. operates more than 230 customer
facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary,
Community Bank, N.A. With assets of over $10.7 billion, the DeWitt, N.Y. headquartered company is among the country's 150 largest
financial institutions. In addition to a full range of retail, business, and municipal banking services, the Company offers comprehensive
financial planning, insurance and wealth management services through its&rsquo; Community Bank Wealth Management Group and OneGroup
NY, Inc. operating subsidiaries. The Company's Benefit Plans Administrative Services, Inc. subsidiary (which includes the recently
acquired NRS) is a leading provider of employee benefits administration, trust services, fund administration and actuarial consulting
services to customers on a national scale. Community Bank System, Inc. is listed on the New York Stock Exchange and the Company's
stock trades under the symbol CBU. For more information about Community Bank visit <U>www.communitybankna.com</U> or <U>http://ir.communitybanksystem.com</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I># # #</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>This press release contains forward-looking statements within
the meaning of the Private Securities Litigation Reform Act of 1995. The following factors, among others, could cause the actual
results of CBU&rsquo;s operations to differ materially from CBU&rsquo;s expectations: the successful integration of operations
of its acquisitions; competition; changes in economic conditions, interest rates and financial markets; changes in legislation
or regulatory requirements; and the timing for receiving regulatory approvals and completing pending transactions. These statements
are based on the current beliefs and expectations of CBU&rsquo;s management and CBU does not assume any duty to update forward-looking
statements.</I></P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>Quarter Ended</B></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>Year-to-Date</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 12%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>December 31,</B><BR>
<B>2017</B></TD>
    <TD NOWRAP STYLE="width: 12%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>December 31,</B><BR>
<B>2016</B></TD>
    <TD NOWRAP STYLE="width: 13%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>December 31,</B><BR>
<B>2017</B></TD>
    <TD NOWRAP STYLE="width: 13%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>December 31,</B><BR>
<B>2016</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$69,716</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$53,602</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$253,949</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$211,467</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,872</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,397</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">75,506</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">73,720</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total interest income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">89,588</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">72,999</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">329,455</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">285,187</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest expense</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,611</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,753</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13,780</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,291</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Net interest income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">85,977</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">70,246</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">315,675</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">273,896</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,381</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,640</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,984</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,076</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Net interest income after provision for loan losses</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">80,596</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">67,606</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">304,691</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">265,820</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposit service fees</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,115</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,959</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">67,896</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">58,595</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Revenues from mortgage banking and other banking services</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,196</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,438</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,466</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,477</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">12,415</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,544</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">48,229</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">42,925</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Employee benefit services</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,212</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,679</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">80,830</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">46,628</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Gain on sale of investments</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total noninterest income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">53,938</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">38,620</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">202,423</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">155,625</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,217</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">36,259</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">179,993</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">151,647</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,622</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,633</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">35,561</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">30,078</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,961</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,275</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,941</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,479</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">794</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,364</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,986</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,706</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,325</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,066</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">88,668</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">77,938</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total operating expenses</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,919</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">66,597</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">347,149</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">266,848</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income before income taxes</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,615</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39,629</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">159,965</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">154,597</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income taxes</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;(24,411)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13,237</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,248</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">50,785</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.375in">Net income</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$72,026</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$26,392</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$150,717</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$103,812</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1.41 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.59 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$3.07</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2.34</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1.40 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.59 </TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$3.03</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2.32</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2017</B></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2016</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$69,716</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$69,498</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$62,351</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$52,384</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$53,602</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,872</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,989</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,071</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17,574</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,397</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total interest income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">89,588</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">88,487</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">81,422</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">69,958</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">72,999</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest expense</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,611</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,092</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,393</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,684</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,753</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Net interest income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">85,977</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">84,395</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">78,029</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">67,274</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">70,246</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,381</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,314</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,461</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,828</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,640</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Net interest income after provision for loan losses</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">80,596</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">82,081</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">76,568</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">65,446</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">67,606</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposit service fees</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,115</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,419</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,655</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,707</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,959</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Revenues from mortgage banking and other banking services</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,196</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,704</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,407</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,159</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,438</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">12,415</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">12,051</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">12,502</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,261</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,544</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Employee benefit services</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,212</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,767</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,662</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17,189</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,679</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Gain on sale of investments</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total noninterest income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">53,938</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">52,941</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,226</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">44,318</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">38,620</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,217</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">46,568</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">44,808</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">41,400</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">36,259</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,622</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,106</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,637</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,196</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,633</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,961</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,949</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,263</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,768</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,275</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">794</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">580</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,896</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,716</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,364</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,325</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,573</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,275</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,495</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,066</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total operating expenses</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,919</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">83,776</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">102,879</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">73,575</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">66,597</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income before income taxes</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,615</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,246</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,915</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">36,189</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39,629</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income taxes</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;(24,411)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,003</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,724</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,932</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13,237</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.375in">Net income</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$72,026</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$35,243</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$17,191</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$26,257</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$26,392</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1.41</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.69</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.35</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.58</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.59</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1.40</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.68</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.35</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.57</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.59</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Profitability</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.66%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.29%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.69%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.22%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.21%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on equity</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17.88%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.81%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.74%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.47%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.59%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on tangible equity<SUP>(2)</SUP></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">34.11%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16.74%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7.72%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13.57%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13.40%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Noninterest income/operating income (FTE) <SUP>(1)</SUP></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">37.9%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">38.4%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39.4%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39.1%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">35.0%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Efficiency ratio </TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">57.8%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">56.8%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">58.3%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">60.9%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">57.9%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Components of Net Interest Margin (FTE)</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan yield</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.44%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.37%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.41%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.31%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.33%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash equivalents yield</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.19%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.09%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.99%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.79%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.48%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment yield</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.81%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.69%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.87%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.90%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.14%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Earning asset yield</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.89%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.81%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.87%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.80%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.90%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest-bearing deposit rate</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.14%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.14%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.14%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.13%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.13%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowing rate</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.32%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.44%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.54%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.18%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.80%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cost of all interest-bearing funds</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.22%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.21%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.19%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.19%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cost of funds (includes DDA)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.16%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.18%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.16%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.15%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.15%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net interest margin (FTE)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.74%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.64%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.72%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.65%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.76%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Fully tax-equivalent adjustment</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2,375</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2,381</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2,374</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2,285</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$2,382</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2017</B></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2016</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Average Balances</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$6,274,679</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$6,343,468</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$5,695,781</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$4,939,092</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$4,934,034</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash equivalents</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">34,223</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">26,986</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">52,956</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">40,209</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">15,367</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Taxable investment securities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,572,703</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,571,459</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,408,020</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,203,175</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,179,840</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nontaxable investment securities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">491,578</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">511,182</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">526,962</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">540,518</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">556,774</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total interest-earning assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,373,183</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,453,095</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,683,719</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,722,994</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,686,015</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Total assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,757,836</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,862,613</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,958,553</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,747,266</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,665,948</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest-bearing deposits</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,206,663</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,230,591</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,021,696</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,543,046</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,472,420</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowings</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">449,377</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">541,036</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">346,975</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">177,587</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">213,930</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total interest-bearing liabilities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,656,040</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,771,627</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,368,671</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,720,633</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,686,350</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Noninterest-bearing deposits</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,307,155</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,307,205</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,948,434</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,620,473</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,603,703</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Shareholders' equity</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,598,056</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,587,279</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,455,847</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,256,888</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,222,124</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Balance Sheet Data</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash and cash equivalents</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$221,038</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$241,480</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$219,695</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$291,186</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$173,857</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment securities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,081,379</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,125,218</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,145,013</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,788,718</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,784,392</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loans:</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Consumer mortgage</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,220,298</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,206,527</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,211,412</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,830,800</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,819,701</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Business lending</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,424,223</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,458,981</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,479,152</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,468,465</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,490,076</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Consumer indirect</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,011,978</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,034,716</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,057,664</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,055,112</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,044,972</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Home equity</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">420,329</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">424,598</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">427,483</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">393,769</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">401,998</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Consumer direct</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">179,929</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">183,898</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">185,589</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">184,067</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">191,815</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in">Total loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,256,757</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,308,720</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,361,300</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,932,213</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,948,562</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,583</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,983</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,451</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,096</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">47,233</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Intangible assets, net</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">825,088</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">824,355</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">831,403</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">618,977</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">480,844</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">409,519</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">398,428</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">374,086</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">329,862</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">326,015</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,746,198</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,850,218</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,884,046</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,913,860</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,666,437</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposits:</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Noninterest-bearing</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,293,057</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,310,954</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,283,138</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,642,158</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,646,039</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Non-maturity interest-bearing</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,377,059</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,495,377</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,508,504</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,010,516</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,726,787</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Time</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">774,304</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">799,659</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">833,963</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">684,203</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">703,128</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 27pt">Total deposits</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,444,420</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,605,990</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,625,605</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,336,877</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,075,954</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowings</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">363,082</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">314,289</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">373,053</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">146,200</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Subordinated debt held by unconsolidated subsidiary trusts</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">122,814</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">122,808</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">122,802</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">102,177</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">102,170</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accrued interest and other liabilities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">180,567</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">213,886</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">189,686</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">178,776</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">144,013</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total liabilities</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,110,883</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,256,973</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,311,146</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,617,830</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">7,468,337</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Shareholders' equity</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,635,315</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,593,245</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,572,900</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,296,030</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,198,100</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total liabilities and shareholders' equity</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,746,198</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,850,218</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,884,046</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,913,860</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8,666,437</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Capital</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tier 1 leverage ratio</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.00%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9.54%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.19%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.35%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.55%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tangible equity/net tangible assets <SUP>(2)</SUP></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.61%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.36%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.08%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">8.91%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9.24%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted weighted average common shares O/S</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,569</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,526</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">49,386</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">46,227</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">45,025</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Period end common shares outstanding</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">50,696</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">50,587</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">50,512</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">45,956</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">44,437</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash dividends declared per common share</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.34 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.34 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.32 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.32 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.32 </TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Book value</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$32.26 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$31.50 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$31.14 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$28.20 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$26.96 </TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tangible book value<SUP>(2)</SUP></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16.94 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16.70 </TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16.21 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16.22 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$17.12 </TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Common stock price (end of period)</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$53.75 </TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$55.25 </TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$55.77 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$54.98 </TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$61.79 </TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2017</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2016</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$24,740</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$21,510</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$21,033</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$20,066</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$20,619</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,706</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,861</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,882</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,809</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,076</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Total nonperforming loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">27,446</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">23,371</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,915</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,875</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">23,695</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,915</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,873</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,491</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,486</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,966</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Total nonperforming assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">29,361</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,244</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,406</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,361</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,661</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,781</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,782</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,106</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,965</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,196</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/loans outstanding</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.76%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.76%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.75%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.95%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.95%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.44%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.37%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.36%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.46%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.48%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/nonperforming loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">173%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">205%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">207%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">206%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">199%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.37%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.11%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.08%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.16%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.18%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.10%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.05%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.99%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.94%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.19%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan loss provision/net charge-offs</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">93%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">130%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">132%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">93%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">120%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming assets/total assets</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.27%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.23%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.23%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.28%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.30%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality (excluding loans acquired since 1/1/09)</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16,020</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$15,069</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$14,359</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$15,268</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16,600</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,502</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,589</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,640</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,707</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,963</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 9pt">Total nonperforming loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,522</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,658</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">15,999</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,975</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,563</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,221</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,257</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,681</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,225</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,658</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.25in">Total nonperforming assets</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,743</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17,915</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17,680</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,200</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,221</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,279</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,624</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">692</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,866</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,846</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/loans outstanding</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.98%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.00%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.01%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.01%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.02%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.40%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.36%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.35%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.38%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.42%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/nonperforming loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">244%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">276%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">284%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">266 %</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">245%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.14%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.06%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.17%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.17%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.12%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.16%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.06%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.86%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.14%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan loss provision/net charge-offs</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">67%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">125%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">153%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">85%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">133%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming assets/total assets</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.22%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.23%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.25%</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.9pt"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.9pt"><B>(Dollars in thousands, except per share data)</B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>2017</B></FONT></TD>
    <TD STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>2016</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; width: 50%; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>4th Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>3rd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>2nd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>1st Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: center; width: 10%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>4th Qtr</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Income statement data</B></FONT></TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Net income</B></FONT></TD>
    <TD NOWRAP>&nbsp;</TD>
    <TD NOWRAP>&nbsp;</TD>
    <TD NOWRAP>&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Net income (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$72,026</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$35,243</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$17,191</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$26,257</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$26,392</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">794</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">580</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">22,896</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,716</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,364</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(227)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(181)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(7,098)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(471)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(456)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">72,593</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">35,642</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">32,989</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">27,502</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">27,300</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">4,961</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">4,949</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">4,263</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">2,768</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,275</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,417)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,545)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,322)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(760)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(426)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">76,137</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">39,046</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">35,930</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">29,510</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">28,149</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,930)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,879)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,642)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(437)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(836)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">551</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">587</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">509</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">120</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">279</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">74,758</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">37,754</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">34,797</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">29,193</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">27,592</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax Cuts and Jobs Act deferred tax impact</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(38,010)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">36,748</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">37,754</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">34,797</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">29,193</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">27,592</FONT></TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Return on average assets</B></FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$36,748</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$37,754</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$34,797</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$29,193</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$27,592</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Average total assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10,757,836</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10,862,613</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">9,958,553</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">8,747,266</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">8,665,948</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted return on average assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.36%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.38%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.40%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.35%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.27%</FONT></TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Return on average equity</B></FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$36,748</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$37,754</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$34,797</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$29,193</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$27,592</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Average total equity</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,598,056</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,587,279</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,455,847</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,256,888</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1,222,124</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted return on average equity</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">9.12%</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">9.44%</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">9.59%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">9.42%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">8.98%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 2.5pt double; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 2.5pt double; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 2.5pt double; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Earnings per common share</B></FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Diluted earnings per share (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$1.40</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$0.68</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$0.35</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$0.57</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$0.59</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.02</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.01</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.46</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.04</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.03</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.01)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.00)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">( 0.14)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.01)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.01)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.41</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.69</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.67</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.60</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.61</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.10</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.09</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.09</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.06</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.03</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.03)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.03)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.03)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.02)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.01)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.48</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.75</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.73</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.64</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.63</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.04)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.04)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.03)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.01)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.02)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax effect of acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.01</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.01</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.01</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.01</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">1.45</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.72</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.71</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.63</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.62</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax Cuts and Jobs Act deferred tax impact</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(0.74)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Diluted adjusted net earnings per share (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.71</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.72</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.71</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.63</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0.62</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Noninterest operating expenses</B></FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Noninterest expenses (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$86,919</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$83,776</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$102,879</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$73,575</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$66,597</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(4,961)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(4,949)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(4,263)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2,768)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,275)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(794)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(580)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(22,896)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,716)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,364)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Total adjusted noninterest expenses (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">81,164</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">78,247</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">75,720</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">69,091</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">63,958</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Efficiency ratio</B></FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Adjusted noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$81,164</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$78,247</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$75,720</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$69,091</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">$63,958</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Tax-equivalent net interest income</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">88,352</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">86,776</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">80,403</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">69,559</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">72,628</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Noninterest revenues</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">53,938</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">52,941</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">51,226</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">44,318</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">38,620</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,930)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,879)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1,642)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(437)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(836)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Gain on sales of investments</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.09in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Operating revenues (non-GAAP) - denominator</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">140,360</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">137,838</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">129,987</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">113,438</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">110,412</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-left: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Efficiency ratio (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">57.8%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">56.8%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">58.3%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">60.9%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; text-align: right; padding-right: 3pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">57.9%</FONT></TD></TR>
</TABLE>


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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.9pt"><B>Summary of Financial Data</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.9pt"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2017</B></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2016</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>3rd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>1st Qtr</B></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0in"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0in"><B>Balance sheet data</B></TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0in"><B>Total assets</B></TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Total assets (GAAP)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">$10,746,198</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">$10,850,218</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">$10,884,046</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">$8,913,860</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">$8,666,437</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Intangible assets</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(825,088)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(824,355)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(831,403)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">(618,977)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">(480,844)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Deferred taxes on intangible assets</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">48,419</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">75,820</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">77,097</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">68,236</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">43,504</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Total tangible assets (non-GAAP)</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">9,969,529</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">10,101,683</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">10,129,740</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">8,363,119</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">8,229,097</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0in"><B>Total common equity</B></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Shareholders' Equity (GAAP)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">1,635,315</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">1,593,245</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">1,572,900</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">1,296,030</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">1,198,100</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Intangible assets</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(825,088)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(824,355)</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">(831,403)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">(618,977)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">(480,844)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Deferred taxes on intangible assets</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">48,419</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">75,820</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">77,097</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">68,236</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">43,504</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Total tangible common equity (non-GAAP)</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">858,646</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">844,710</TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">818,594</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">745,289</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">760,760</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0in"><B>Net tangible equity-to-assets ratio at quarter end</B></TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; text-align: right; padding-right: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Total tangible common equity (non-GAAP) - numerator</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">$858,646</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">$844,710</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">$818,594</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">$745,289</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">$760,760</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">Total tangible assets (non-GAAP) - denominator</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">9,969,529</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">10,101,683</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">10,129,740</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">8,363,119</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; padding-right: 2pt">8,229,097</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in; text-indent: 0.125in">Net tangible equity-to-assets ratio at quarter end <FONT STYLE="font-size: 10pt">(non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; border-bottom: Black 2.5pt double; padding-right: 2pt">8.61%</TD>
    <TD NOWRAP STYLE="text-align: right; border-bottom: Black 2.5pt double; padding-right: 2pt">8.36%</TD>
    <TD NOWRAP STYLE="text-align: right; border-bottom: Black 2.5pt double; padding-right: 2pt">8.08%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">8.91%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right; padding-right: 2pt">9.24%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.09in">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>(1)</SUP> Excludes gains and losses on sales of investment
securities.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>(2)</SUP> Includes deferred tax liabilities related
to certain intangible assets.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I># # #</I></P>

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


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
