<SEC-DOCUMENT>0001144204-19-002355.txt : 20190123
<SEC-HEADER>0001144204-19-002355.hdr.sgml : 20190123
<ACCEPTANCE-DATETIME>20190123100734
ACCESSION NUMBER:		0001144204-19-002355
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190123
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190123
DATE AS OF CHANGE:		20190123

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:		19536673

	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>tv511406_8k.htm
<DESCRIPTION>FORM 8-K
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<!-- 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 -->

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

<P STYLE="font: 10pt 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">Washington, D.C.&nbsp;20549</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; 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">Date of Report (Date of earliest event
reported)<FONT STYLE="font-size: 10pt">: January 23, 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;<IMG SRC="image_001.jpg" ALT=""></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;&nbsp;</P>

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

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    <TD STYLE="width: 40%; font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">5790 Widewaters Parkway, DeWitt, New York</TD><TD STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 40%; font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">13214-1883</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(Address of principal executive offices)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; 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"><U>Not Applicable</U></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;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: justify; margin-bottom: 0pt">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" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">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" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">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" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">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" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">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; text-align: justify">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: 0pt 0 0pt 387pt; text-align: right">Emerging growth company <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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">&#168;</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"></P>

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<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"><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; text-align: justify">On January 23, 2019, Community Bank System, Inc. announced its
results of operations for the quarter ended December 31, 2018. 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; text-align: justify">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 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 85%; margin-left: 0.5in">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; white-space: nowrap"><U>Exhibit No.</U></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: left; white-space: nowrap"><U>Description</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap"><A HREF="tv511406_ex99.htm" STYLE="-sec-extract: exhibit">99</A></TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="width: 88%; font: 10pt Times New Roman, Times, Serif; text-align: left; white-space: nowrap"><A HREF="tv511406_ex99.htm" STYLE="-sec-extract: exhibit">Press Release, dated January 23, 2019</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: 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; 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: 0pt 0; text-align: center"><B>Community Bank System, 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">&nbsp;&nbsp;</P>

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    <TD STYLE="width: 49%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black">Date:
    January 23, 2019</FONT></TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="width: 49%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black"><U>/s/
    Mark E. Tryniski</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.3in; padding-left: 3in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt; color: Black">Mark E.
    Tryniski, President, Chief Executive Officer and Director</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black">Date:
    January 23, 2019</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; color: white; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; color: white; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt; color: Black"><U>/s/
    Joseph E. Sutaris</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; padding-left: 3in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt; color: Black">Joseph
    E. Sutaris, Executive Vice President and Chief Financial Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; padding-left: 3in"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt; color: Black">&nbsp;</FONT></TD></TR>
</TABLE>


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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>tv511406_ex99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<P STYLE="margin: 0; text-align: right"><B>Exhibit 99.1</B></P>

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%; font-size: 10pt"><IMG SRC="image_002.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="width: 47%; text-align: center">
        <P STYLE="font: 24pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>News Release</U></B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">For further information, please contact:</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">5790 Widewaters Parkway, DeWitt, N.Y. 13214</TD>
    <TD STYLE="text-align: center">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">Joseph E. Sutaris, 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) 445-7396</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&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 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Community Bank System Reports</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">fourth Quarter and full
year 2018 Results</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; January 23, 2019 &mdash; Community Bank
System, Inc. (NYSE: CBU) reported fourth quarter 2018 net income of $40.8 million and fully diluted earnings per share of $0.78.
This compares to $72.0 million in net income or $1.40 per share for the fourth quarter of 2017. The fourth quarter 2017 results
included a $38.0 million, or $0.74 per share, one-time gain from the revaluation of net deferred tax liabilities related to the
enactment of the Tax Cuts and Jobs Act in December 2017. Excluding this one-time tax benefit and acquisition expenses, fourth quarter
2018 operating earnings per share (non-GAAP) were $0.11, or 16.4%, above the fourth quarter of 2017. Full year diluted earnings
per share totaled $3.24 in 2018, compared to $3.03 in 2017. Full year 2018 diluted operating earnings per share (non-GAAP) of $3.23
were $0.59, or 22.3%, above the $2.64 per share of operating earnings generated in 2017.</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 0pt 13.5pt"><U>2018 Performance Highlights</U>:</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>GAAP EPS</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$0.78 per share for the fourth quarter of 2018, compared to $1.40 per share for the fourth quarter of 2017</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$3.24 per share for full year 2018, compared to $3.03 for 2017</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Operating EPS (non-GAAP)</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$0.78 per share for the fourth quarter of 2018, up 16.4% over the fourth quarter of 2017</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$3.23 per share for full year 2018, up 22.3% over 2017</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Total Deposit Funding Costs</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>0.16% for the fourth quarter of 2018</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>0.13% for full year 2018</TD></TR></TABLE>

<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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Return on Assets</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>1.53% for the fourth quarter of 2018</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>1.58% for full year 2018</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Return on Tangible Equity</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>17.6% for fourth quarter 2018</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>19.1% for full year 2018</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Non-banking Noninterest Revenues</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Up 7.3% over fourth quarter of 2017</TD></TR></TABLE>

<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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Up 15.0% for full year 2018</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">&ldquo;Our strong fourth quarter and 2018 performance reflected
a full year of operating leverage from the 2017 acquisition of Merchants Bancshares and Northeast Retirement Services, as well
as continued solid growth in our non-banking fee businesses. Fourth quarter fully-diluted operating earnings per share increased
$0.11, or 16.4%, over 2017 despite a reduction in noninterest revenues of $3.1 million, or $0.05 per share, related to Durbin amendment
mandated debit interchange price restrictions,&rdquo; said Mark E. Tryniski President and Chief Executive Officer. &ldquo;Total
revenues for 2018 of $569.1 million were up $51.0 million or 9.8% over 2017, while operating earnings increased 22.3%, or $0.59
per share, despite a decrease of $0.11 per share in banking-related noninterest revenues related to the Durbin amendment. The Company&rsquo;s
historic discipline around deposit funding and asset quality was also evident in the 2018 results with average cost of deposits
of 0.13%, and total net charge-offs of 0.15% of average loans. Overall, it was a very solid effort that positioned the organization
for continued strong performance in 2019. Also, as announced yesterday, we have entered into a definitive agreement to acquire
Kinderhook Bank Corp. which will provide an enhanced banking presence in five additional Upstate New York counties around the Capital
District. The greater Albany region offers attractive demographics and we&rsquo;re excited by the prospect of having a more significant
presence in this area.&rdquo;</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">Total revenues for the fourth quarter of 2018 were&nbsp;$141.6
million, an increase of&nbsp;$1.7 million, or 1.2%, over the fourth quarter of 2017. The Company recorded a $1.4 million, or 1.6%,
increase in net interest income and a $0.3 million, or 0.5%, increase in noninterest revenues. The increase in net interest income
was due to a 22 basis point increase in the yield on loans, offset in part by a decrease in average earning assets, lower investment
securities yields and higher funding costs. Nonbanking noninterest revenues increased $2.5 million, or 7.3%, due to organic revenue
growth in our employee benefit services segment, as well as acquired and organic growth in our wealth management and insurance
businesses. This increase in nonbanking noninterest revenues was partially offset by a decrease in banking noninterest revenues
of $2.2 million, or 11.2%, due almost entirely to Durbin amendment mandated debit interchange price restrictions.</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 a linked quarter basis, total revenues decreased $0.4 million,
or 0.3%. Net interest income was up $1.2 million, or 1.4%, and noninterest revenues were down $1.6 million, or 2.8%. The Company&rsquo;s
tax equivalent net interest margin increased six basis points from 3.71% in the third quarter of 2018 to 3.77% in the fourth quarter
of 2018. This included two basis points of improvement due to the Company&rsquo;s receipt of the semi-annual Federal Reserve Bank
dividend payment totaling $0.4 million. Banking-related noninterest revenues were down $0.5 million, or 2.9%, and nonbanking noninterest
revenues were down $0.6 million or 1.5%. In addition, during the third quarter of 2018, the Company recorded $0.7 million in unrealized
gains on equity securities and $0.3 million in loss on prepayment of debt securities associated with the accelerated amortization
of debt issuance costs, resulting in a $0.4 million net gain on these activities. This compares to $0.1 million of unrealized losses
on equity securities during the fourth quarter.</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 recorded a $2.5 million provision for loan losses
in the fourth quarter 2018. This compares to a $5.4 million provision for loan losses recorded in the fourth quarter of 2017 and
$2.2 million in the linked third quarter of 2018. The non-performing loan to total loans ratio was 0.40% at the end of the fourth
quarter of 2018, down from 0.44% at the end of the fourth quarter of 2017 and consistent with linked third quarter results. The
total loan delinquency ratio was 1.00% at the end of the fourth quarter of 2018. This is 10 basis points lower than the prior year
fourth quarter end and seven basis points higher than the linked third quarter.</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 operating expenses for the fourth quarter of 2018 were
$87.6 million. This compares to $86.1 million in total operating expenses (excluding acquisition expenses of $0.8 million) recorded
in the fourth quarter of 2017. The $1.5 million, or 1.7%, increase in total operating expenses was due to higher amounts of salaries
and employee benefits and occupancy and equipment expenses, partially offset by a $0.6 million decrease in amortization of intangible
assets.</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 a linked quarter basis, total operating expenses increased
$2.4 million, or 2.8%. During the third quarter of 2018, the Company recovered $0.8 million of vendor contract termination charges,
which were recorded as an acquisition expense during the second quarter of 2017. Excluding this recovery, total operating expenses
increased $1.6 million, or 1.8%. Salaries and employee benefits expense increased $1.0 million including one additional day of
payroll, while occupancy and equipment expense increased $0.4 million due to seasonal fluctuations and other expenses were $0.2
million higher.</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 recorded $87.4 million in net interest income during
the fourth quarter of 2018. This represents an increase of $1.4 million, or 1.6%, compared to the fourth quarter of 2017. Interest
income on loans was up $3.6 million, or 5.2%, while interest income on investments, including cash equivalents, was down $0.8 million,
or 3.9%. Interest expense increased $1.4 million as deposit and borrowing costs increased, reflective of higher market interest
rates for these funding sources. The net interest margin increased three basis points, from 3.74% in the fourth quarter of 2017
to 3.77% in the fourth quarter of 2018. Earning asset yields increased 10 basis points, from 3.89% in the fourth quarter of 2017
to 3.99% in the fourth quarter of 2018. Average loan yields increased 22 basis points from 4.43% to 4.65% over the same periods
due largely to an increase in market interest rates, including four 25 basis point increases in the Prime rate. Similarly, the
yield on cash equivalents increased 66 basis points from 1.19% in the fourth quarter of 2017 to 1.85% in the fourth quarter of
2018. Conversely, the yield on investment securities decreased 19 basis points, from 2.81% to 2.62% between comparable quarterly
periods. This was largely due to a decrease in the tax-equivalent yield on non-taxable municipal securities caused by a drop in
the statutory Federal corporate tax rate between the periods. The Company&rsquo;s cost of funds increased seven basis points, from
0.16% in the fourth quarter of 2017 to 0.23% in the fourth quarter of 2018. The Company&rsquo;s cost of deposits was 0.16% during
the fourth quarter of 2018, versus 0.10% in the fourth quarter of 2017.<BR STYLE="clear: both">
</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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Net interest income increased $1.2 million, or 1.4%, on a linked
quarter basis. Interest income on loans was up $1.1 million due primarily to an eight basis point increase in the yield. Interest
income on investment securities, including cash equivalents, was up $0.5 million primarily due to receipt of the semi-annual dividend
payment from the Federal Reserve Bank. Net interest margin increased six basis points from 3.71% in the third quarter of 2018 to
3.77% in the fourth quarter. The yield on earning assets increased eight basis points between the linked quarters to 3.99% from
3.91%, while the total cost of funds increased two basis points to 0.23% from 0.21%.</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 generated $13.7 million of wealth management and
insurance services revenues in the fourth quarter of 2018. This represents a $1.3 million, or 10.1%, increase over the fourth quarter
2017 revenues of $12.4 million. During the fourth quarter of 2017 and the first two quarters of 2018, the Company acquired four
small insurance and wealth management practices contributing to revenue growth. Employee benefit services revenues of $23.5 million,
increased $1.3 million, or 5.6%, from the fourth quarter of 2017. These results were attributable to organic increases in the number
of supported plans and related participant levels. On a linked quarter basis, wealth management and insurance services revenues
were down $0.8 million due to seasonal and market-related influences, and employee benefits services revenues were up $0.2 million.</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 effective tax rate for the fourth quarter of 2018 was 20.7%.
This was down from a 28.6% effective tax rate in the fourth quarter of last year, excluding the $38.0 million one-time gain from
the revaluation of net deferred tax liabilities. The decrease in the effective tax rate was largely attributable to the application
of the lower federal tax rate due to the Tax Cuts and Jobs Act passed in the fourth quarter of 2017. The effective tax rate for
the full year of 2018 was 20.8%.</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 an &ldquo;operating,&rdquo; &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, the unrealized gain (loss) on equity securities, loss on debt prepayment and the one-time benefit from the revaluation
of net deferred tax liabilities. The amounts for such items are presented in the tables that accompany this release. Although these
items are non-GAAP measures, the Company&rsquo;s management believes this information helps investors understand the effect of
acquisition and other non-recurring activity in its reported results. Diluted adjusted net earnings per share were $0.81 in the
fourth quarter of 2018, compared to $0.71 in the fourth quarter of 2017, a 14.1% 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 were down $26.2 million, or 0.3%, on
a linked quarter basis, from $9.33 billion during the third quarter of 2018 to $9.31 billion during the fourth quarter of 2018.
Average loan balances during the fourth quarter were $6.28 billion, down $13.6 million, or 0.2%, from the third quarter. Average
deposit balances were down $57.9 million, or 0.7%, from third quarter levels, due largely to increased utilization of certain off
balance sheet products, which increased $93.9 million over the same period. Ending deposits were also down $141.5 million or 1.7%.
Average borrowings in the fourth quarter of 2018 of $389.4 million, were down $4.1 million or 1.0% from the third quarter average
of $393.5 million.</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, 2018 were $6.28 billion. This was
down $19.8 million or 0.3% from the end of the third quarter, but up $24.4 million, or 0.4%, when compared to December 31, 2017.
During the fourth quarter and consistent with seasonal expectations, outstanding balances in our consumer indirect, consumer direct
and home equity portfolios decreased $28.5 million. This was partially offset, by a $15.4 million increase in consumer mortgage
balances. Business lending was down $6.6 million, or 0.3%, as principal reductions slightly exceeded new loan advances and originations
during the quarter. The increase in ending loans on a comparative year end basis was largely driven by growth in the Company&rsquo;s
consumer indirect and consumer mortgage loan portfolios.</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">Investment securities totaled $2.98 billion at December 31,
2018, up $33.6 million, or 1.1%, from the end of the linked third quarter of 2018, but down $99.7 million or 3.2% from December
31, 2017. The net unrealized loss in this portfolio was $16.0 million at December 31, 2018, as compared to a $52.8 million unrealized
loss at September 30, 2018, down $36.8 million during the fourth quarter due to changes in market interest rates. These compare
to a net unrealized gain of $23.9 million at December 31, 2017. The portfolio transitioned from a net unrealized gain position
in December 2017 to a net unrealized loss position during early 2018 due to an increase in market interest rates. The effective
duration of the portfolio was 3.3 years at the end of the fourth quarter.</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>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders&rsquo; equity of $1.71 billion at December 31,
2018 was $79.5 million, or 4.9%, higher than the prior year period. The Company&rsquo;s net tangible equity to net tangible assets
ratio was 9.69% at December 31, 2018, up from 8.61% a year earlier and 9.13% at the end of the third quarter of 2018. The Company&rsquo;s
Tier 1 leverage ratio was 11.09% at the end of the fourth quarter, up from 10.00% a year earlier. These results are primarily a
result of strong earnings generation and capital retention over the last four quarters.</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 January 2018, the Company&rsquo;s
Board of Directors approved a stock repurchase program authorizing the repurchase of up to 2.5 million shares of the Company&rsquo;s
common stock during a twelve-month period starting January 1, 2018. 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 pursuant to the program in 2018. In December 2018, the Company reauthorized a new repurchase program
for 2019 for up to 2.5 million shares of the Company 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">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 $3.3 million for the fourth quarter. This compares to $5.8 million in the fourth quarter of 2017, $3.1 million of which was
related to a charge-off recorded on a single credit relationship. Net charge-offs as an annualized percentage of average loans
measured 0.21% in the fourth quarter of 2018 and 0.37% in the fourth quarter of 2017. Nonperforming loans as a percentage of total
loans at the end of the fourth quarter and linked third quarter were 0.40%, as compared to 0.44% at December 31, 2017. The total
loan delinquency ratio of 1.00% at the end of the fourth quarter was 10 basis points lower than the level one year earlier. The
fourth quarter provision for loan losses of $2.5 million was $2.9 million lower than the fourth quarter of 2017, and $0.3 million
higher than the third quarter of 2018. The allowance for loan losses to nonperforming loans was 197% at December 31, 2018, compared
with 201% and 173% at the end of the third quarter of 2018 and fourth quarter of 2017, respectively. On a full year 2018 basis,
the Company recorded 0.15% of net charge offs compared to 0.18% for the full year of 2017. The Company&rsquo;s allowance for loan
losses was $49.3 million or 0.78% of total loans outstanding at December 31, 2018, as compared to $47.6 million and 0.76% of total
loans outstanding at the end of the prior 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"><B>Dividend Increase</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">During the fourth quarter of 2018, the Company declared a quarterly
cash dividend of $0.38 per share on its common stock. The Board of Directors raised the cash dividend by $0.04 per share, or 11.8%,
during the third quarter of 2018 which marked the 26<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 providing 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 four cent, or 11.8%, 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 2.4%
based upon the $63.29 closing price of the Company&rsquo;s stock on January 22, 2019.</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>Kinderhook Bank Corp.</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, 2019, the Company announced that it had entered
into a definitive agreement to acquire Kinderhook Bank Corp. (&ldquo;Kinderhook&rdquo;), parent company of National Union Bank
of Kinderhook headquartered in Kinderhook, New York, for $93.4 million in cash. The acquisition will extend the Company&rsquo;s
branch footprint in the greater Capital District region of New York where the Company started a business banking operation in the
first quarter of 2018. Upon completion of the merger, Community Bank will add 11 branch locations in the region with approximately
$640 million of assets and deposits of $560 million. The Company expects to complete the acquisition late in the second quarter
of 2019.</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>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 23, 2019, to discuss fourth quarter and full year 2018 results. The conference call can be accessed at 866-337-5532
(786-460-7176, if outside United States and Canada) using the conference ID code 7885932. Investors may also listen live via the
Internet at: https://www.webcaster4.com/Webcast/Page/995/28890.</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: <FONT STYLE="color: Blue"><U>http://ir.communitybanksystem.com</U></FONT>.
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"></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">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 $10.6 billion, the DeWitt, N.Y. headquartered company is among
the country&rsquo;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 units. The Company's Benefit Plans
Administrative Services, Inc. subsidiary is a leading provider of employee benefits administration, trust services,
collective investment 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 <FONT STYLE="color: Blue"><U>www.communitybankna.com</U></FONT> or <FONT STYLE="color: Blue"><U>http://ir.communitybanksystem.com</U></FONT>.</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; 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">&nbsp;</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">&nbsp;</P>


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

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



<P STYLE="margin: 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 STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid; padding-left: 0.75pt; text-align: center"><B>Quarter Ended</B></TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; border-top: Black 1pt solid; white-space: nowrap"><B>Year-to-Date</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt; width: 52%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: center; width: 12%"><B>December 31,<BR>
 2018</B></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: center; width: 12%"><B>December 31,<BR>
 2017</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: center; width: 12%"><B>December 31,<BR>
 2018</B></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: center; width: 12%"><B>December 31,<BR>
 2017</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Loan income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">$73,316</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$69,716</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">$286,165</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$253,949</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Investment income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">19,105</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">19,872</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">76,568</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">75,506</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total interest income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">92,421</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">89,588</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">362,733</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">329,455</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Interest expense</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">5,034</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">3,611</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">17,678</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">13,780</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Net interest income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">87,387</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">85,977</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">345,055</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">315,675</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">2,495</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">5,381</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">10,837</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">10,984</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Net interest income after provision for loan losses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">84,892</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">80,596</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">334,218</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">304,691</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Deposit service fees</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">16,116</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">18,115</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">70,384</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">67,896</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Revenues from mortgage banking and other banking services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">1,026</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">1,196</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">4,968</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">5,466</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">13,675</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">12,415</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">56,089</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">48,229</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Employee benefit services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">23,466</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">22,212</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">92,279</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">80,830</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Gain on sale of investments</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">2</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Unrealized (loss)gain on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">&nbsp;(65)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">657</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">&nbsp;(318)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total noninterest revenues</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">54,218</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">53,938</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">224,059</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">202,423</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">52,040</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">49,006</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">207,363</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">186,903</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">10,210</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">9,622</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">39,948</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">35,561</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">4,375</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">4,961</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">18,155</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">16,941</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">794</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">&nbsp;(769)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">25,986</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Other</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">20,988</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">22,536</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">80,592</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">81,758</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total operating expenses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">87,613</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">86,919</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">345,289</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">347,149</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Income before income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">51,497</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">47,615</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">212,988</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">159,965</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">10,674</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">&nbsp;(24,411)</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">44,347</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">9,248</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.25in">Net income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">$40,823</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$72,026</TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">$168,641</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$150,717</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">$0.79 </TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$1.41 </TD>
    <TD STYLE="white-space: nowrap; padding-left: 0.75pt; text-align: right">$3.28</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-left: 0.75pt; text-align: right">$3.07</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.75pt; text-align: right">$0.78 </TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: right">$1.40 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: right">$3.24</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 0.75pt; text-align: right">$3.03</TD></TR>
</TABLE>

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

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



<P STYLE="margin: 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 STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>2018</I></B></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; border-top: Black 1pt solid"><B><I>2017</I></B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Earnings</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Loan income</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">$73,316</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$72,256</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$71,152</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$69,441</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$69,716</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Investment income</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">19,105</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">18,647</TD>
    <TD STYLE="white-space: nowrap; text-align: right">19,853</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">18,963</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">19,872</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total interest income</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">92,421</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">90,903</TD>
    <TD STYLE="white-space: nowrap; text-align: right">91,005</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">88,404</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">89,588</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Interest expense</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">5,034</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">4,705</TD>
    <TD STYLE="white-space: nowrap; text-align: right">4,159</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3,780</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3,611</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Net interest income</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">87,387</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">86,198</TD>
    <TD STYLE="white-space: nowrap; text-align: right">86,846</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">84,624</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">85,977</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Provision for loan losses</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">2,495</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">2,215</TD>
    <TD STYLE="white-space: nowrap; text-align: right">2,448</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3,679</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">5,381</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Net interest income after provision for loan losses</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">84,892</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">83,983</TD>
    <TD STYLE="white-space: nowrap; text-align: right">84,398</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">80,945</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">80,596</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Deposit service fees</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">16,116</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">16,127</TD>
    <TD STYLE="white-space: nowrap; text-align: right">18,964</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">19,177</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">18,115</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Revenues from mortgage banking and other banking services</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1,026</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">1,536</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,163</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,243</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,196</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Wealth management and insurance services</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">13,675</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">14,438</TD>
    <TD STYLE="white-space: nowrap; text-align: right">13,911</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">14,065</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">12,415</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Employee benefit services</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">23,466</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">23,265</TD>
    <TD STYLE="white-space: nowrap; text-align: right">22,542</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">23,006</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">22,212</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Unrealized (loss)gain on equity securities</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">&nbsp;(65)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">743</TD>
    <TD STYLE="white-space: nowrap; text-align: right">(21)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Loss on debt extinguishment</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(318)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total noninterest revenues</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">54,218</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">55,791</TD>
    <TD STYLE="white-space: nowrap; text-align: right">56,559</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">57,491</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">53,938</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Salaries and employee benefits</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">52,040</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">51,062</TD>
    <TD STYLE="white-space: nowrap; text-align: right">52,402</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">51,859</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">49,006</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Occupancy and equipment</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">10,210</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">9,770</TD>
    <TD STYLE="white-space: nowrap; text-align: right">9,437</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">10,531</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">9,622</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Amortization of intangible assets</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">4,375</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">4,427</TD>
    <TD STYLE="white-space: nowrap; text-align: right">4,555</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4,798</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4,961</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Acquisition expenses</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(832)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">71</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(8)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">794</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Other</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">20,988</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">20,806</TD>
    <TD STYLE="white-space: nowrap; text-align: right">19,647</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">19,151</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">22,536</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total operating expenses</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">87,613</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">85,233</TD>
    <TD STYLE="white-space: nowrap; text-align: right">86,112</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">86,331</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">86,919</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Income before income taxes</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">51,497</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">54,541</TD>
    <TD STYLE="white-space: nowrap; text-align: right">54,845</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">52,105</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">47,615</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Income taxes</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">10,674</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">11,435</TD>
    <TD STYLE="white-space: nowrap; text-align: right">10,239</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">11,999</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(24,411)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.25in">Net income</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">$40,823</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$43,106</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$44,606</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$40,106</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$72,026</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Basic earnings per share</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">$0.79</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$0.84</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$0.87</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$1.41</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Diluted earnings per share</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">$0.78</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$0.83</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$0.86</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$1.40</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Profitability</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Return on assets</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1.53%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">1.61%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1.66%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.52%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2.66%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Return on equity</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">9.63%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">10.28%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">10.91%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">10.00%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">17.88%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Return on tangible equity<SUP>(2)</SUP></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">17.61%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">19.06%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">20.58%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">19.11%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">34.11%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Noninterest revenues/operating revenues (FTE) <SUP>(1)</SUP></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">38.5%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">39.4%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">39.7%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">40.7%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">38.4%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Efficiency ratio</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">59.1%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">58.0%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">57.2%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">57.8%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">57.8%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border: Black 1pt solid"><B>Components of Net Interest Margin (FTE)</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Loan yield</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">4.65%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">4.57%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">4.58%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4.53%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4.43%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Cash equivalents yield</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1.85%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">1.60%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1.73%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.54%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.19%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Investment yield</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">2.62%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">2.55%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">2.65%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2.60%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2.81%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Earning asset yield</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">3.99%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">3.91%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">3.91%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3.87%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3.89%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Interest-bearing deposit rate</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.22%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.18%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.15%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.14%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.14%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Borrowing rate</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1.68%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">1.96%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1.80%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.48%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.32%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Cost of all interest-bearing funds</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.31%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.29%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.25%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.23%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.22%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Cost of funds (includes DDA)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.23%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.21%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.19%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.17%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.16%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Net interest margin (FTE)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">3.77%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">3.71%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">3.73%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3.71%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3.74%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Fully tax-equivalent adjustment</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">$1,062</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$1,071</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$1,094</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">$1,118</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">$2,375</TD></TR>
<TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

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

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<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-top: 0pt; margin-bottom: 0pt"><B>Summary of Financial Data</B></P>

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



<P STYLE="margin: 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 STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>2018</B></P></TD>
    <TD COLSPAN="1" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2017</B></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; width: 50%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; width: 10%"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; width: 10%"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>4th Qtr</B></TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver"><B>Average Balances</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; background-color: silver">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; background-color: silver">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Loans</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">$6,276,231</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$6,289,868</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$6,250,739</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$6,237,824</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$6,274,679</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Cash equivalents</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">28,817</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">26,832</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">170,745</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">90,406</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">34,223</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Taxable investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,577,366</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,574,116</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,575,962</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,583,446</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,572,703</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Nontaxable investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">423,902</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">441,719</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">457,254</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">468,773</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">491,578</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Total interest-earning assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">9,306,316</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">9,332,535</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">9,454,700</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">9,380,449</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">9,373,183</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Total assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">10,575,284</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,619,872</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,752,203</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,715,529</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,757,836</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Interest-bearing deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">6,039,390</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,077,581</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,282,098</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,219,052</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,206,663</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Borrowings</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">389,378</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">393,483</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">397,101</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">453,114</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">449,377</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Total interest-bearing liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">6,428,768</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,471,064</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,679,199</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,672,166</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,656,040</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Noninterest-bearing deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,317,042</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,336,778</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,287,722</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,268,778</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,307,155</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">1,682,536</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,664,234</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,640,076</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,625,951</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,598,056</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver"><B>Balance Sheet Data</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Cash and cash equivalents</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">$211,834</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$256,838</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$250,154</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$543,899</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$221,038</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,981,658</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,948,057</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,983,352</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">3,032,642</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">3,081,379</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Loans:</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Business lending</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,396,977</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,403,624</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,384,629</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,426,086</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">2,424,223</P></TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Consumer mortgage</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,235,408</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,220,022</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,210,051</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,211,882</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,220,298</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Consumer indirect</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">1,083,207</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,098,943</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,063,679</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,008,198</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,011,978</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Home equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">386,709</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">393,950</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">398,433</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">407,832</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">420,329</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Consumer direct</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">178,820</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">184,349</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">181,217</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">173,032</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">179,929</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.25in">Total loans</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">6,281,121</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,300,888</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">6,238,009</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,227,030</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">6,256,757</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Allowance for loan losses</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">49,284</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">50,133</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">49,618</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">48,103</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">47,583</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Intangible assets, net</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">807,349</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">811,700</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">816,127</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">820,584</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">825,088</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Other assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">375,681</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">392,217</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">395,070</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">390,503</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">409,519</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Total assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">10,608,359</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,659,567</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,633,094</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,966,555</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,746,198</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Deposits:</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Noninterest-bearing</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">2,312,816</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,346,932</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">2,332,745</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,372,824</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">2,293,057</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Non-maturity interest-bearing</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">5,270,015</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">5,366,488</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">5,439,101</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">5,642,109</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">5,377,059</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Time</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">739,540</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">750,401</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">742,147</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">756,159</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">774,304</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.25in">Total deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">8,322,371</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">8,463,821</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">8,513,993</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">8,771,092</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">8,444,420</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Borrowings</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">315,743</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">276,559</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">183,785</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">281,744</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">363,082</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Subordinated debt held by unconsolidated subsidiary trusts</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">122,826</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">122,820</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">122,814</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Accrued interest and other liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">157,459</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">152,903</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">155,531</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">159,433</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">180,567</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Total liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">8,893,512</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">8,991,222</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">8,976,135</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">9,335,089</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">9,110,883</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">1,714,847</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,668,345</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">1,656,959</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,631,466</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">1,635,315</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-left: 0.125in">Total liabilities and shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">10,608,359</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,659,567</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10,633,094</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,966,555</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10,746,198</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver"><B>Capital</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Tier 1 leverage ratio</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">11.09%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10.72%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">10.53%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10.19%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">10.00%</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Tangible equity/net tangible assets <SUP>(2)</SUP></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">9.69%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">9.13%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">9.00%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">8.42%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">8.61%</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Diluted weighted average common shares O/S</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">52,122</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">52,086</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">51,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">51,677</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">51,569</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Period end common shares outstanding</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">51,258</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">51,137</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">51,086</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">50,884</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">50,696</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Cash dividends declared per common share</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">$0.38 </TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$0.38</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$0.34</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$0.34</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$0.34</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Book value</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">$33.46 </TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$32.63</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$32.43</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$32.06</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$32.26</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid">Tangible book value<SUP>(2)</SUP></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; text-align: right">$18.61 </TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$17.67</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">$17.39</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$16.88</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-align: right">$16.94</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Common stock price (end of period)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">$58.30 </TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right">$61.07</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right">$59.07</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">$53.56</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">$53.75</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; text-align: center"></P>

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

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



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

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2018&nbsp;</B></P></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; border-top: Black 1pt solid"><B>2017</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 50%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; width: 10%"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Asset Quality</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Nonaccrual loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">$22,544</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$21,982</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$22,807</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$23,239</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$24,740</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Accruing loans 90+ days delinquent</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">2,455</TD>
    <TD STYLE="white-space: nowrap; text-align: right">2,951</TD>
    <TD STYLE="white-space: nowrap; text-align: right">6,532</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">6,425</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2,706</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total nonperforming loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">24,999</TD>
    <TD STYLE="white-space: nowrap; text-align: right">24,933</TD>
    <TD STYLE="white-space: nowrap; text-align: right">29,339</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">29,664</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">27,446</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Other real estate owned (OREO)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1,320</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,142</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,310</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,865</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,915</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.25in">Total nonperforming assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">26,319</TD>
    <TD STYLE="white-space: nowrap; text-align: right">26,075</TD>
    <TD STYLE="white-space: nowrap; text-align: right">30,649</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">31,529</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">29,361</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">3,345</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,700</TD>
    <TD STYLE="white-space: nowrap; text-align: right">933</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">3,159</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">5,781</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Allowance for loan losses/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.78%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.80%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.80%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.77%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.76%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Nonperforming loans/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.40%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.40%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.47%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.48%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.44%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Allowance for loan losses/nonperforming loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">197%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">201%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">169%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">162%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">173%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Net charge-offs/average loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.21%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.11%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.06%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.21%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.37%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Delinquent loans/ending loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1.00%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.93%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.89%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.01%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.10%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Loan loss provision/net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">75%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">130%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">262%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">116%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">93%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Nonperforming assets/total assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">0.25%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.29%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.29%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.27%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Asset Quality (excluding loans acquired since 1/1/09)</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Nonaccrual loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">$16,182</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$14,684</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$14,644</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$15,161</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$16,020</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Accruing loans 90+ days delinquent</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">2,106</TD>
    <TD STYLE="white-space: nowrap; text-align: right">2,688</TD>
    <TD STYLE="white-space: nowrap; text-align: right">6,243</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">5,894</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2,502</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.125in">Total nonperforming loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">18,288</TD>
    <TD STYLE="white-space: nowrap; text-align: right">17,372</TD>
    <TD STYLE="white-space: nowrap; text-align: right">20,887</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">21,055</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">18,522</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Other real estate owned (OREO)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">669</TD>
    <TD STYLE="white-space: nowrap; text-align: right">859</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,025</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,336</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,221</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-left: 0.25in">Total nonperforming assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">18,957</TD>
    <TD STYLE="white-space: nowrap; text-align: right">18,231</TD>
    <TD STYLE="white-space: nowrap; text-align: right">21,912</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">22,391</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">19,743</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">3,053</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,533</TD>
    <TD STYLE="white-space: nowrap; text-align: right">552</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1,800</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2,279</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Allowance for loan losses/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.93%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.96%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.98%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.97%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.98%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Nonperforming loans/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.36%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.35%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.43%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.45%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.40%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Allowance for loan losses/nonperforming loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">256%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">274%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">225%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">216%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">244%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Net charge-offs/average loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.12%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.05%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.16%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.20%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Delinquent loans/ending loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">1.06%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.97%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.91%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.01%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">1.12%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid">Loan loss provision/net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; text-align: right">76%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">138%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">364%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">122%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">67%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Nonperforming assets/total assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.22%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD></TR>
</TABLE>

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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-top: 0pt; margin-bottom: 0pt"><B>Summary of Financial Data</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&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 STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid; text-align: center"><B>2018</B></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid; text-align: center"><B>2017</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>3rd Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Income statement data</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Net income</B></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Net income (GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$40,823</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$43,106</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$44,606</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$40,106</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$72,026</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(832)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">71</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(8)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">794</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">174</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(13)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">2</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(227)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax Cuts and Jobs Act deferred tax impact</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">(38,010)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">40,823</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">42,448</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">44,664</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">40,100</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">34,583</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Unrealized (gain)loss on equity securities</TD>
    <TD STYLE="white-space: nowrap; text-align: right">65</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(743)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">21</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of unrealized (gain)loss on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(13)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">156</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(4)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">40,875</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">41,861</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">44,681</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">40,100</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">34,583</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">318</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(67)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Operating net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">40,875</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">42,112</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">44,681</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">40,100</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">34,583</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; text-align: right">4,375</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">4,427</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">4,555</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4,798</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">4,961</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(907)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(928)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;(850)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;(1,105)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;(1,417)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">44,343</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">45,611</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">48,386</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">43,793</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">38,127</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquired non-impaired loan accretion </TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(1,838)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(1,980)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(2,040)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(2,063)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(1,930)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">381</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">415</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">381</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">475</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">551</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$42,886</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$44,046</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$46,727</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$42,205</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$36,748</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Return on average assets</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$42,886</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$44,046</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$46,727</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$42,205</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$36,748</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Average total assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">10,575,284</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center">10,619,872</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">10,752,203</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">10,715,529</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">10,757,836</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">Adjusted return on average assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">1.61%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">1.65%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">1.74%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">1.60%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">1.36%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Return on average equity</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$42,886</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$44,046</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$46,727</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$42,205</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$36,748</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Average total equity</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">1,682,536</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">1,664,234</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">1,640,076</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">1,625,951</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">1,598,056</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Adjusted return on average equity</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">10.11%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">10.50%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">11.43%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">10.53%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">9.12%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Earnings per common share</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Diluted earnings per share (GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$0.78</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$0.83</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$0.86</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$1.40</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquisition expenses </TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(0.02)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.02</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(0.01)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax Cuts and Jobs Act deferred tax impact </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(0.74)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.78</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.81</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.86</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.67</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Unrealized (gain)loss on equity securities</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.00 </TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(0.01)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of unrealized (gain)loss on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.78</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.80</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.86</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.67</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.01</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Operating diluted earnings per share (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.78</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.81</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.86</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.67</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Amortization of intangibles </TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.08</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.08</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.09</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.09</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.10</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">(0.02)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">(0.02)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">(0.02)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">(0.03)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">0.84</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.87</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">0.93</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.85</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0.74</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquired non-impaired loan accretion </TD>
    <TD STYLE="white-space: nowrap; text-align: right">(0.04)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(0.04)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">(0.04)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(0.04)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(0.04)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax effect of acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.01</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.01</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0.01</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0.01</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Diluted adjusted net earnings per share (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$0.81</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$0.84</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$0.90</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$0.82</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$0.71</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</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-top: 0pt; margin-bottom: 0pt"><B>Summary of Financial Data</B></P>

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



<P STYLE="margin: 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 STYLE="white-space: nowrap; border-right: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid; text-align: center"><B>2018</B></TD>
    <TD COLSPAN="3" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-top: Black 1pt solid; text-align: center"><B>2017</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"><B>1st Qtr</B></TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>4th Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Income statement data (continued)</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Noninterest operating expenses</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Noninterest expenses (GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$87,613</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$85,233</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$86,112</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$86,331</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;$86,919</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(4,375)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(4,427)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">(4,555)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4,798)</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4,961)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">832</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">(71)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(794)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Total adjusted noninterest expenses (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$83,238</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$81,638</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">$81,486</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$81,541</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">$81,164</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Efficiency ratio </B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Adjusted noninterest expenses (non-GAAP) - numerator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$83,238</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$81,638</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$81,486</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;$81,541</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;$81,164</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Tax-equivalent net interest income</TD>
    <TD STYLE="white-space: nowrap; text-align: right">88,449</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">87,269</TD>
    <TD STYLE="white-space: nowrap; text-align: right">87,940</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">85,742</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;88,352</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Noninterest revenues</TD>
    <TD STYLE="white-space: nowrap; text-align: right">54,218</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">55,791</TD>
    <TD STYLE="white-space: nowrap; text-align: right">56,559</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;57,491</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;53,938</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(1,838)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(1,980)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">(2,040)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(2,063)</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">(1,930)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Unrealized (gain)loss on equity securities</TD>
    <TD STYLE="white-space: nowrap; text-align: right">65</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(743)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">21</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">318</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Operating revenues (non-GAAP) - denominator</TD>
    <TD STYLE="white-space: nowrap; text-align: right">140,894</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">140,655</TD>
    <TD STYLE="white-space: nowrap; text-align: right">142,480</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;141,170</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;140,360</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Efficiency ratio (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">59.1%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">58.0%</TD>
    <TD STYLE="white-space: nowrap; text-align: right">57.2%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">57.8%</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">57.8%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><B>Balance sheet data</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Total assets</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Total assets (GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$10,608,359</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">$10,659,567</TD>
    <TD STYLE="white-space: nowrap; text-align: right">$10,633,094</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$10,966,555</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">$10,746,198</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Intangible assets</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(807,349)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(811,700)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(816,127)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(820,584)</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(825,088)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Deferred taxes on intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">46,370</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">46,882</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47,334</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47,904</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48,419</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Total tangible assets (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9,847,380</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9,894,749</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9,864,301</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">10,193,875</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">9,969,529</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Total common equity</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Shareholders' Equity (GAAP)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,714,847</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">1,668,345</TD>
    <TD STYLE="white-space: nowrap; text-align: right">1,656,959</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;1,631,466</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;1,635,315</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Intangible assets</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(807,349)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;(811,700)</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;(816,127)</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(820,584)</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;(825,088)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Deferred taxes on intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">46,370</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">46,882</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;47,334</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">47,904</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">48,419</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Total tangible common equity (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">953,868</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">903,527</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">888,166</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">858,786</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">858,646</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid"><B>Net tangible equity-to-assets ratio at quarter end</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Total tangible common equity (non-GAAP) - numerator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$953,868</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">$903,527</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;$888,166</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;$858,786</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;&nbsp;&nbsp;$858,646</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.125in">Total tangible assets (non-GAAP) - denominator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">9,847,380</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">9,894,749</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;9,864,301</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;10,193,875</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;9,969,529</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-left: 0.25in">Net tangible equity-to-assets ratio at quarter end <FONT STYLE="font-size: 10pt">(</FONT>non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9.69%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9.13%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right">9.00%</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">8.42%</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; text-align: right">8.61%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0"><I><SUP>(1)</SUP> Excludes unrealized gains and losses on equity securities and loss on debt extinguishment.</I></P>

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

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

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


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

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