<SEC-DOCUMENT>0001144204-19-020466.txt : 20190422
<SEC-HEADER>0001144204-19-020466.hdr.sgml : 20190422
<ACCEPTANCE-DATETIME>20190422092317
ACCESSION NUMBER:		0001144204-19-020466
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190422
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190422
DATE AS OF CHANGE:		20190422

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:		19758729

	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>tv519318_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT"><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: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>UNITED STATES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>SECURITIES
AND EXCHANGE COMMISSION&nbsp;</B></FONT></P>

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

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

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B><U>FORM
8-K</U></B></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Date of Report
</FONT>(Date of earliest event reported)<FONT STYLE="font-size: 10pt">: April 22, 2019</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><IMG SRC="tv519318_img1.jpg" ALT="">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 33%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">5790 Widewaters Parkway, DeWitt, New York</FONT></TD>
    <TD NOWRAP STYLE="width: 34%; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="width: 33%; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">13214-1883</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><U>Not Applicable</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 0">Check the appropriate box below if the form 8-K filing
is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:</P>

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">On April 22, 2019, Community Bank System, Inc. announced
its results of operations for the quarter ended March 31, 2019. 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: 0">&nbsp;</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 85%; margin-left: 0.5in; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 10%"><FONT STYLE="font-size: 10pt"><U>Exhibit No.</U></FONT></TD>
    <TD NOWRAP STYLE="width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="width: 88%; text-align: left; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><U>Description</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><A HREF="tv519318_ex99.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">99</FONT></A></TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD><A HREF="tv519318_ex99.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">Press Release, dated April 22, 2019</FONT></A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

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

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

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

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

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    <TD STYLE="width: 49%; font-size: 10pt"><FONT STYLE="font-size: 10pt">Date: April 22, 2019</FONT></TD>
    <TD STYLE="width: 2%; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 49%; font-size: 10pt"><FONT STYLE="font-size: 10pt"><U STYLE="font-size: 10pt">/s/ Mark E. Tryniski</U></FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Mark E. Tryniski, President, Chief Executive Officer</FONT> and Director</TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Date: April 22, 2019</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt"><U STYLE="font-size: 10pt">/s/ Joseph E. Sutaris</U></FONT></TD></TR>
<TR STYLE="vertical-align: top; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph E. Sutaris, Executive
    Vice President and </FONT> <FONT STYLE="font-family: Times New Roman, Times, Serif">Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>


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

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



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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>tv519318_ex99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 53%; font-size: 10pt"><IMG SRC="tv519318_ex99img1.jpg" ALT="">&nbsp;</TD>
    <TD STYLE="width: 47%; text-align: center; vertical-align: top">
        <P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0"><B><U>News Release</U></B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">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>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Joseph E. Sutaris, EVP &amp; Chief Financial
        Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Office: (315) 445-7396</P></TD></TR>
</TABLE>
<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt">Community
Bank System Reports</FONT></P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt">First
Quarter 2019 Results</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">SYRACUSE, N.Y. &mdash; April 22, 2019 &mdash; Community Bank System,
Inc. (NYSE: CBU) reported first quarter 2019 net income of $41.9 million, or $0.80 per fully diluted share. This compares to $40.1
million of net income, or $0.78 per share reported for the first quarter of 2018. The $0.02 increase in earnings per share was
attributable to an increase in net interest income and decreases in the provision for loan losses and income taxes, offset in part
by a decrease in bank noninterest revenues, higher operating expenses and an increase in fully-diluted shares outstanding. Comparatively,
the Company recorded $0.78 in fully diluted earnings per share for the linked fourth quarter of 2018. Operating earnings per share,
which excludes acquisition expenses and unrealized gain on equity securities, were $0.81 for the first quarter of 2019, a $0.03
improvement over the first quarter 2018 operating earnings per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><U>First Quarter 2019 Performance Highlights</U>:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>First quarter GAAP EPS of $0.80; up $0.02 over first quarter of 2018</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>First quarter Operating EPS of $0.81; up $0.03 over the first quarter of 2018</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>Net interest margin of 3.80% increased 9 basis points over first quarter of 2018</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>Deposit funding costs of 0.20%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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 of 1.59%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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 tangible equity of 17.61%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>Noninterest revenues represent 39.1% of operating revenues</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><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>Announced the acquisition of Kinderhook Bank Corp.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&ldquo;Our improved first quarter 2019 operating results were driven
by a combination of net interest income growth, increased financial services revenue and a continuation of excellent credit quality
metrics, &ldquo;said Mark E. Tryniski, President and Chief Executive Officer. &ldquo;The strong performance of our core banking
business worked to offset a $0.05 reduction in earnings per share related to the Durbin debit interchange price restrictions which
became effective for the Company in the third quarter of 2018. Net interest income was up $2.2 million over the first quarter of
2018 and the net interest margin increased nine basis points to 3.80%, reflecting an increase in total loans and the favorable
effect of certain loan pre-payment fees, which added four basis points to the net interest margin. Total deposits increased $297.3
million, or 3.6%, in the quarter primarily from significant increases to transaction and savings accounts. In January, we announced
a definitive agreement to acquire Kinderhook Bank Corp., parent company of National Union Bank of Kinderhook. This transaction
will extend our banking footprint into the attractive Capital District markets which are similar to the other Upstate New York
markets in which we are a strong competitor. This investment also complements the financial commitment we made in 2018 when we
added an experienced commercial banking team focused on the greater Albany area. We&rsquo;re pleased with a first quarter performance
that&rsquo;s reflective of consistent and effective execution of our ongoing business strategy.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Total revenues for the first quarter of 2019 were&nbsp;$142.6 million,
an increase of&nbsp;$0.4 million, or 0.3%, over the prior year quarter. Net interest income increased $2.2 million, or 2.6%, to
$86.9 million due to an improvement in the net interest margin, while noninterest revenues decreased $1.8 million, or 3.1%, between
comparable quarters. A $3.0 million decrease in banking noninterest revenues, due primarily to the impact of Durbin-related debit
interchange price restrictions, and a $0.3 million decrease in wealth management services revenues was offset, in part, by a $1.0
million, or 4.6% increase in employee benefit services revenues and a $0.5 million, or 6.8%, increase in the insurance services
revenues. Noninterest revenues of $55.7 million comprised 39.1% of the Company&rsquo;s total revenues during the first quarter
of 2019, similar to 2018 full year results.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Interest income and fees on loans increased $4.3 million versus
the comparable prior year quarter due to both an increase in average total loans outstanding and an increase in the yield on all
categories of loans, reflective of higher market rates. The results for the quarter were favorably impacted by $1.0 million in
one-time loan fees. Comparatively, the first quarter of 2018 was favorably impacted by $0.7 million in impaired loan accretion.
A $0.4 million increase in interest income on cash equivalents between comparable annual quarters was partially offset by a $0.3
million decrease in interest income on the investment securities portfolio due primarily to a $65.4 million decrease in average
outstanding balances on the Company&rsquo;s non-taxable municipal investment securities portfolio. The average yield on cash equivalents
increased from 1.54% in the first quarter of 2018 to 2.33% in the first quarter of 2019, reflective of increases in short-term
market interest rates, and the average balance of cash equivalents increased $30.9 million. Interest expense was $2.0 million higher
than the previous year&rsquo;s first quarter, driven by an increase in the average cost of deposit liabilities. The average cost
of deposits was 0.20% in the first quarter of 2019, as compared to 0.10% in the first quarter of 2018, reflective of market driven
rate increases for deposits between the periods. By comparison, the average cost of deposits during the linked fourth quarter of
2018 was 0.16%.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The quarterly provision for loan losses of&nbsp;$2.4 million&nbsp;was&nbsp;$1.3
million&nbsp;lower than the first quarter of 2018 reflective of moderate improvements in the Company&rsquo;s credit quality metrics.
Non-performing loans decreased to 0.39% of total loans outstanding, as compared to 0.48% of total loans outstanding at the end
of the first quarter of 2018 and 0.40% at the end of the linked fourth quarter. Similarly, delinquent loans to total loans outstanding
decreased to 0.88% at the end of the first quarter of 2019. This compares to 1.01% at the end of the first quarter of 2018 and
1.00% at the end of the linked fourth quarter. Net-charge offs decreased $0.6 million from the first quarter of 2018, due largely
to a decrease in net charge-offs in the business lending and consumer indirect loan portfolios.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Employee benefit services revenues for the first quarter of 2019
were $24.1 million. This represents a $1.0 million, or 4.6%, increase over first quarter 2018 revenues. The improvement in revenues
was driven by growth in the Company&rsquo;s collective investment fund administration and trust business, as well as growth in
actuarial services revenues. The Company recorded $7.9 million in insurance services revenues during the first quarter of 2019,
a $0.5 million, or 6.8%, increase over first quarter 2018 results, reflective of solid new business generation. Wealth management
revenues for the first quarter of 2019 were $6.3 million. This compares to wealth management revenues of $6.7 million in the first
quarter of 2018. Banking noninterest revenues decreased $3.0 million due to a net $3.1 million decrease in debit interchange fees
and a $0.3 million decrease in other banking fees, including mortgage banking and deposit service fees, offset in part by a $0.4
million gain on life insurance.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Total operating expenses for the first quarter of 2019 were $88.7
million, representing a $2.3 million, or 2.7%, increase from the first quarter of 2018 due to an increase in salaries and employee
benefits, data processing and communications, business development and marketing expenses, and acquisition expenses. These increases
were offset by decreases in occupancy and equipment expense, amortization of intangible assets, legal and professional fees, office
supplies and postage, FDIC insurance premiums and other expenses. Exclusive of $0.5 million of acquisition expenses, total operating
expenses increased $1.8 million, or 2.1%, between the comparable quarterly periods.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The effective tax rate for the first quarter of 2019 was 18.5%,
down from 23.0% in the first quarter of 2018. The Company had significantly higher levels of deductions related to stock based
compensation activity in the first quarter of 2019, as compared to the first quarter of 2018. Exclusive of stock-based compensation
tax benefits, the Company&rsquo;s effective tax rate was 21.8% in the first quarter of 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company also provides supplemental reporting of its results
on an &ldquo;operating,&rdquo; &ldquo;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 and loss on debt extinguishment. 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 $0.85 in the first quarter of 2019, compared to $0.82 in the first quarter of 2018, a 3.7% increase.</P>

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Average earning assets were up $67.0 million, or 0.7%, on a linked
quarter basis, from $9.31 billion during the fourth quarter of 2018 to $9.37 billion during the first quarter of 2019. Average
loan balances during the first quarter of 2019 were $6.27 billion, down $2.4 million from the fourth quarter of 2018. Average deposit
balances were up $48.8 million, or 0.6%, from fourth quarter 2018 levels, due largely to an increase in public fund deposits as
seasonally anticipated. Ending deposits were also up $297.3 million, or 3.6%, with growth in all categories of deposits, interest-bearing
and noninterest-bearing checking, savings, money market and time deposits. Average borrowings, including customer repurchase agreements,
in the first quarter of 2019 of $373.7 million, were down $15.7 million, or 4.0%, from the fourth quarter 2018 average of $389.4
million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Ending loans at March 31, 2019 were $6.27 billion. This was down
$15.0 million, or 0.2%, from the end of the fourth quarter of 2018, but up $39.1 million, or 0.6%, when compared to March 31, 2018.
During the first quarter of 2019 and consistent with seasonal expectations, outstanding balances in the consumer indirect, consumer
direct and home equity portfolios decreased $30.5 million. This was partially offset, by a $13.5 million increase in the business
lending portfolio and a $2.0 million increase in consumer mortgage balances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Investment securities totaled $2.97 billion at March 31, 2019, down
$15.5 million, or 0.5%, from the end of the fourth quarter of 2018 and down $66.5 million, or 2.2% from March 31, 2018. The net
unrealized gain in this portfolio was $7.9 million at March 31, 2019, as compared to a $16.0 million unrealized loss at December
31, 2018, a $23.9 million increase due to changes in market interest rates. These compare to a net unrealized loss of $17.9 million
at March 31, 2018. The effective duration of the portfolio was 3.0 years at the end of the first quarter of 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Shareholders&rsquo; equity of $1.76 billion at March 31, 2019 was
$43.3 million, or 2.5%, higher than the fourth quarter of 2018 and $125.7 million, or 7.7%, higher than March 31, 2018. The Company&rsquo;s
net tangible equity to net tangible assets ratio was 9.83% at March 31, 2019, up from 8.42% a year earlier and 9.68% at the end
of the fourth quarter of 2018. The Company&rsquo;s Tier 1 leverage ratio was 11.27% at the end of the first quarter of 2019, up
from 10.19% 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: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">As previously announced in December 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, 2019. 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 2019.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">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 $2.6 million for the first quarter of 2019. This compares to $3.2 million in the first quarter of 2018. The decrease in net
charge-offs between the periods was due primarily to decreases in net charge-offs in business lending and the consumer indirect
portfolios. Net charge-offs as an annualized percentage of average loans measured 0.17% in the first quarter of 2019, as compared
to 0.21% in the first quarter of 2018. Nonperforming loans as a percentage of total loans at the end of the first quarter of 2019
were 0.39%. This compares to 0.40% at the end of the linked fourth quarter of 2018 and 0.48% at March 31, 2018, decreases of one
basis point and nine basis points, respectively. The total loan delinquency ratio of 0.88% at the end of the first quarter of 2019
was 12 basis points lower than the end of the fourth quarter of 2018 and 13 basis points lower than the level one year earlier.
The first quarter 2019 provision for loan losses of $2.4 million was $1.3 million lower than the first quarter of 2018 and $0.1
million lower than the fourth quarter of 2018. The allowance for loan losses to nonperforming loans was 202% at March 31, 2019,
compared with 197% at the end of the fourth quarter of 2018 and 162% a year earlier. The Company&rsquo;s allowance for loan losses
was $49.1 million, or 0.78%, of total loans outstanding at March 31, 2019, as compared to $48.1 million, or 0.77% of total loans
outstanding at the end of the first quarter of 2018.</P>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">During the first quarter of 2019, the Company declared a quarterly
cash dividend of $0.38 per share on its common stock, up 11.8% from the $0.34 dividend declared in the first quarter of 2018, representing
an annualized yield of 2.4% based upon the $62.38 closing price of the Company&rsquo;s stock on April 18, 2019. The four cent increase
declared in the third quarter of 2018 marked the 26<SUP>th</SUP> consecutive year of dividend increases for the Company. &ldquo;The
improvement of our earnings and cash flow results continue to provide further strength to capital accumulation and dividend capacity,&rdquo;
said Mr. Tryniski.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">On January 22, 2019, the Company announced that it entered into
a definitive agreement with Kinderhook Bank Corp., parent company of National Union Bank of Kinderhook, pursuant to which the Company
will acquire Kinderhook Bank Corp. in an all cash transaction representing total consideration valued at approximately $93.4 million
(the &ldquo;Merger&rdquo;). The Merger will extend the Company&rsquo;s footprint into the Capital District of Upstate New York.
Upon completion, Community Bank, N.A., the Company&rsquo;s banking subsidiary, will add 11 branch locations across a five county
area with approximately $630 million in assets, and deposits of $550 million. The Company has received the regulatory approvals
necessary to complete the Merger, including approval from the Office of the Comptroller of the Currency and a waiver from filing
an application with the Federal Reserve Bank of New York. At the present time, the Company expects the Merger to close early in
the third quarter of 2019, subject to customary closing conditions, including approval by the shareholders of Kinderhook Bank Corp.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Company management will conduct an investor call at 11:00 a.m. (ET)
today, April 22, 2019, to discuss first quarter 2019 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 8798966. Investors may also listen live via the Internet at:
https://www.webcaster4.com/Webcast/Page/995/29905.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">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 $10.9 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 <U>http://ir.communitybanksystem.com</U>.</P>

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

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

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

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


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Summary of Financial Data</B></TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>(Dollars in thousands, except per share data)</B></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding: 0.75pt 0.75pt 1pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2019</B></TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>2018</B></P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan income</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$73,703</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$73,316</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$72,256</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$71,152</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$69,441</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment income</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,978</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,105</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,647</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,853</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,963</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total interest income</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">92,681</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">92,421</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">90,903</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">91,005</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">88,404</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest expense</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,822</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,034</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,705</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,159</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,780</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Net interest income</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,859</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">87,387</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,198</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,846</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">84,624</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,422</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,495</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,215</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,448</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,679</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Net interest income after provision for loan losses</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">84,437</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">84,892</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">83,983</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">84,398</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">80,945</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposit service fees</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">15,864</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,116</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">16,127</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,964</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,177</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Revenues from mortgage banking and other banking services</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,536</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,026</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,536</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,163</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,243</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,211</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13,675</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,438</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">13,911</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">14,065</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Employee benefit services</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,054</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">23,466</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">23,265</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,542</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">23,006</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Unrealized gain(loss) on equity securities</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">31</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;(65)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">743</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">(21)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loss on debt extinguishment</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">(318)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total noninterest revenues</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">55,696</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">54,218</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">55,791</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">56,559</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">57,491</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">53,379</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">52,040</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,062</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">52,402</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,859</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,288</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,210</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,770</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,437</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,531</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,130</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,375</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,427</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,555</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4,798</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">534</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;(832)</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">71</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;(8)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,321</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,988</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,806</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,647</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,151</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total operating expenses</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">88,652</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">87,613</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">85,233</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,112</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">86,331</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income before income taxes</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,481</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">51,497</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">54,541</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">54,845</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">52,105</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income taxes</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9,535</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,674</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,435</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10,239</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">11,999</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Net income</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$41,946</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$40,823</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$43,106</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$44,606</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$40,106</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.81</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.79</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.84</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.87</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.78</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.80</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.78</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.83</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.86</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$0.78</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Profitability</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.59%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.53%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.61%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.66%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.52%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on equity</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9.85%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">9.63%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.28%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.91%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">10.00%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on tangible equity<SUP>(2)</SUP></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17.61%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17.61%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19.06%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20.58%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19.11%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Noninterest revenues/operating revenues (FTE) <SUP>(1)</SUP></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39.1%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">38.5%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39.4%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">39.7%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">40.7%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Efficiency ratio</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">59.1%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">59.1%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">58.0%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">57.2%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">57.8%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Components of Net Interest Margin (FTE)</B></TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan yield</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.78%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.65%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.57%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.58%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.53%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash equivalents yield</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.33%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.85%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.60%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.73%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.54%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment yield</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.59%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.62%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.55%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.65%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2.60%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Earning asset yield</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">4.05%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.99%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.91%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.91%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.87%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest-bearing deposit rate</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.27%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.22%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.18%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.15%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.14%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowing rate</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.86%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.68%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.96%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.80%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.48%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cost of all interest-bearing funds</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.36%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.31%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.29%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.25%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.23%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cost of funds (includes DDA)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.27%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.23%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.21%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.19%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.17%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net interest margin (FTE)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.80%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.77%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.71%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.73%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3.71%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Fully tax-equivalent adjustment</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1,008</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1,062</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1,071</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1,094</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$1,118</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>


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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2019</B></FONT></TD>
    <TD NOWRAP COLSPAN="4" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2018</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="width: 10%; border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Average Balances</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,273,798</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,276,231</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,289,868</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,250,739</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,237,824</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash equivalents</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">121,304</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,817</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,832</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">170,745</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">90,406</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxable investment securities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,574,902</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,577,366</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,574,116</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,575,962</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,583,446</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nontaxable investment securities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">403,359</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">423,902</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">441,719</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">457,254</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">468,773</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-earning assets</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,373,363</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,306,316</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,332,535</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,454,700</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,380,449</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,687,708</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,575,272</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,619,872</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,752,203</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,715,529</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposits</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,107,732</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,039,390</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,077,581</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,282,098</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,219,052</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">373,656</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">389,378</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">393,483</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">397,101</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">453,114</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-bearing liabilities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,481,388</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,428,768</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,471,064</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,679,199</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,672,166</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest-bearing deposits</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,297,472</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,317,042</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,336,778</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,287,722</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,268,778</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,726,313</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,682,525</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,664,234</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,640,076</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,625,951</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance Sheet Data</B></FONT></TD>
    <TD NOWRAP STYLE="border: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and cash equivalents</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$508,364</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$211,834</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$256,838</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$250,154</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$543,899</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,966,147</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,981,658</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,948,057</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,983,352</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,032,642</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans:</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business lending</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,410,477</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,396,977</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,403,624</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,384,629</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,426,086</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer mortgage</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,237,430</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,235,408</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,220,022</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,210,051</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,211,882</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer indirect</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,070,840</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,083,207</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,098,943</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,063,679</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,008,198</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home equity</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,297</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">386,709</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">393,950</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">398,433</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">407,832</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer direct</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">173,042</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">178,820</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">184,349</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">181,217</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">173,032</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total loans</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,266,086</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,281,121</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,300,888</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,238,009</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,227,030</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for loan losses</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,107</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,284</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,133</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,618</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,103</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible assets, net</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">804,419</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">807,349</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">811,700</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">816,127</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">820,584</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other assets</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">420,558</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,617</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">392,217</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">395,070</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">390,503</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,916,467</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,607,295</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,659,567</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,633,094</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,966,555</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits:</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest-bearing</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,346,635</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,312,816</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,346,932</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,332,745</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,372,824</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-maturity
interest-bearing</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,517,141</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,270,015</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,366,488</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,439,101</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,642,109</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">755,886</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">739,540</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">750,401</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">742,147</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">756,159</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total deposits</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,619,662</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,322,371</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,463,821</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,513,993</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,771,092</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">251,833</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">315,743</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">276,559</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">183,785</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">281,744</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subordinated debt held by unconsolidated subsidiary trusts</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,939</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,939</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,939</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">122,826</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">122,820</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued interest and other liabilities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">189,905</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">157,459</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">152,903</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">155,531</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">159,433</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,159,339</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,893,512</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,991,222</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,976,135</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,335,089</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,757,128</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,713,783</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,668,345</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,656,959</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,631,466</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities and shareholders' equity</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,916,467</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,607,295</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,659,567</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,633,094</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,966,555</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Capital</B></FONT></TD>
    <TD NOWRAP STYLE="border: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 leverage ratio</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.27%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.08%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.72%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.53%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.19%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible equity/net tangible assets <SUP>(2)</SUP></FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.83%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.68%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.13%</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.00%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.42%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted weighted average common shares O/S</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,195</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,122</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,086</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,939</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,677</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Period end common shares outstanding</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,471</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,258</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,137</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,086</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,884</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash dividends declared per common share</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.38</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.38</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.38</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.34</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.34</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Book value</FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$34.14</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$33.43</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$32.63</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$32.43</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$32.06</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible book value<SUP>(2)</SUP></FONT></TD>
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$19.40</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$18.59</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$17.67</FONT></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$17.39</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$16.88</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock price (end of period)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$59.77</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$58.30</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$61.07</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$59.07</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$53.56</FONT></TD></TR>
</TABLE>


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

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


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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 50%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Summary of Financial Data</B></TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>(Dollars in thousands, except per share data)</B></TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2019</B></TD>
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$21,252</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$22,544</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$21,982</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$22,807</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$23,239</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,019</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,455</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,951</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,532</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,425</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total nonperforming loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,271</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,999</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">24,933</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">29,339</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">29,664</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,524</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,320</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,142</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,310</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,865</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Total nonperforming assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">25,795</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">26,319</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">26,075</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">30,649</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">31,529</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,599</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,345</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,700</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">933</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,159</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/loans outstanding</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.78%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.78%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.80%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.80%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.77%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.39%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.40%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.40%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.47%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.48%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/nonperforming loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">202%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">197%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">201%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">169%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">162%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.17%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.21%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.11%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.06%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.21%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.88%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.00%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.93%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.89%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.01%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan loss provision/net charge-offs</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">93%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">75%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">130%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">262%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">116%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming assets/total assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.25%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.29%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.29%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality (excluding loans acquired since 1/1/09)</B></TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$15,524</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$16,182</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$14,684</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$14,644</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">$15,161</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,594</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,106</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">2,688</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">6,243</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">5,894</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total nonperforming loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,118</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,288</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">17,372</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">20,887</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">21,055</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">898</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">669</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">859</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,025</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,336</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Total nonperforming assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">19,016</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,957</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">18,231</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">21,912</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">22,391</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,516</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">3,053</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,533</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">552</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1,800</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/loans outstanding</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.94%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.93%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.96%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.98%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.97%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.36%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.36%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.35%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.43%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.45%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses/nonperforming loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">262%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">256%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">274%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">225%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">216%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.12%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.12%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.05%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.16%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.89%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.06%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.97%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.91%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">1.01%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan loss provision/net charge-offs</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">142%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">76%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">138%</TD>
    <TD NOWRAP STYLE="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">364%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">122%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming assets/total assets</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.20%</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD>
    <TD NOWRAP STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">0.24%</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


<!-- Field: Page; Sequence: 7 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

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

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

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

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; 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 NOWRAP STYLE="border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2019</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2018</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; line-height: 115%; width: 50%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net income</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$41,946</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$40,823</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$43,106</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$44,606</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$40,106</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">534</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(832)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">71</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(8)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(99)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">174</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(13)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,381</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,823</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,448</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,664</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,100</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized (gain)loss on equity securities</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(31)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(743)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of unrealized (gain)loss on equity securities</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(13)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">156</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(4)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,356</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,875</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41,861</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,681</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,100</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss on debt extinguishment</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">318</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of loss on debt extinguishment</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(67)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,356</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,875</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,112</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,681</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,100</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,130</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,375</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,427</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,555</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,798</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(765)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(907)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(928)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(850)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,105)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,721</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,343</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,611</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,386</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,793</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired non-impaired loan accretion </FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,330)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,838)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,980)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(2,040)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(2,063)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">246</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">415</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">475</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,637</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,886</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,046</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,727</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,205</FONT></TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: bottom; border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average assets</B></FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,637</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,886</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,046</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$46,727</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$42,205</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average total assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,687,708</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,575,272</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,619,872</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,752,203</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,715,529</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted return on average assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.69%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.61%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.65%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.74%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.60%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average equity</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted net income (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,637</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,886</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$44,046</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$46,727</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$42,205</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average total equity</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,726,313</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,682,525</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,664,234</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,640,076</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,625,951</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted return on average equity</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.49%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.11%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.50%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.43%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.53%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Earnings per common share</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted earnings per share (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.78</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.83</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$0.78</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses </FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;0.00</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;0.00</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized (gain)loss on equity securities</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of unrealized (gain)loss on equity securities</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.80</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss on debt extinguishment</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of loss on debt extinguishment</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating diluted earnings per share (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangibles </FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.08</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.08</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.08</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.88</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.84</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.93</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired non-impaired loan accretion </FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.03)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.04)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.04)</FONT></TD>
    <TD NOWRAP STYLE="padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.04)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.04)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 9pt; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax effect of acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-left: 0.25in; line-height: 115%; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted adjusted net earnings per share (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: Black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.85</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.81</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.84</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.90</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: Black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.82</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


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

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


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

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

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

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

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; 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 NOWRAP STYLE="border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2019</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2018</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; line-height: 115%; width: 50%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: center; line-height: 115%; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data (continued)</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Noninterest operating expenses</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest expenses (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$88,652</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$87,613</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$85,233</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$86,112</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$86,331</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangibles</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(4,130)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(4,375)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(4,427)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4,555)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(4,798)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(534)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">832</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(71)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;8</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; padding-bottom: 2.5pt; line-height: 115%; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total adjusted noninterest expenses (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$83,988</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%; border-bottom: Black 2.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$83,238</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%; border-bottom: Black 2.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$81,638</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%; border-bottom: Black 2.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$81,486</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$81,541</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Efficiency ratio</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$83,988</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$83,238</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$81,638</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$81,486</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$81,541</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax-equivalent net interest income</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">87,867</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">88,449</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">87,269</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">87,940</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,742</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest revenues</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,696</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,218</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,791</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56,559</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;57,491</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired non-impaired loan accretion</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,330)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,838)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,980)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,040)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,063)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized (gain)loss on equity securities</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(31)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(743)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss on debt extinguishment</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">318</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating revenues (non-GAAP) - denominator</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,202</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">140,894</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">140,655</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,480</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;141,170</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency ratio (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.1%</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.1%</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.0%</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57.2%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57.8%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance sheet data</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total assets</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,916,467</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,607,295</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,659,567</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,633,094</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$10,966,555</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible assets</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(804,419)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(807,349)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(811,700)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(816,127)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(820,584)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred taxes on intangible assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,994</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,370</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,882</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;47,334</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;47,904</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.25in; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total tangible assets (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,158,042</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,846,316</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,894,749</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,864,301</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,193,875</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total common equity</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' Equity (GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,757,128</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,713,783</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,668,345</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,656,959</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;1,631,466</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible assets</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(804,419)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(807,349)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(811,700)</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(816,127)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(820,584)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred taxes on intangible assets</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,994</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,370</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,882</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;47,334</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,904</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.25in; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total tangible common equity (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">998,703</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">952,804</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">903,527</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">888,166</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">858,786</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net tangible equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$998,703</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$952,804</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$903,527</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$888,166</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;$858,786</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,158,042</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,846,316</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,894,749</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;9,864,301</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;10,193,875</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-left: black 1pt solid; border-right: black 1pt solid; line-height: 115%; padding-left: 0.375in; text-indent: -0.125in; padding-bottom: 2.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net tangible equity-to-assets ratio at quarter end (non-GAAP)</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.83%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.68%</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%; border-bottom: Black 2.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.13%</FONT></TD>
    <TD NOWRAP STYLE="padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%; border-bottom: Black 2.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.00%</FONT></TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.42%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD NOWRAP STYLE="border-right: black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 5.4pt; text-align: right; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: -0.9pt"><I><SUP>(1)</SUP> Excludes unrealized gains
and losses on equity securities and loss on debt extinguishment.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: -0.9pt">&nbsp;</P>

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

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

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

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


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