<SEC-DOCUMENT>0001144204-19-035286.txt : 20190722
<SEC-HEADER>0001144204-19-035286.hdr.sgml : 20190722
<ACCEPTANCE-DATETIME>20190722100720
ACCESSION NUMBER:		0001144204-19-035286
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20190722
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190722
DATE AS OF CHANGE:		20190722

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:		19964768

	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>tv525589_8k.htm
<DESCRIPTION>FORM 8-K
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<P STYLE="margin: 0"><B>&nbsp;</B></P>

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

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

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>WASHINGTON, D.C. 20549</B></P>

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

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

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

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>FORM 8-K</B></P>

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; background-color: White">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 32%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Delaware</TD><TD STYLE="width: 2%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">001-13695</TD><TD STYLE="width: 2%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">16-1213679</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(State or other jurisdiction</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(Commission</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(IRS Employer</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">of incorporation)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">File Number)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Identification No.)</TD></TR>
</TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; background-color: White">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 66%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">5790 Widewaters Parkway, DeWitt, New York</TD><TD STYLE="width: 2%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">13214</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(Address of principal executive offices)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">(Zip Code)</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Registrant&rsquo;s telephone number, including area code: <FONT STYLE="font-size: 10pt"><B>(315)
445-2282</B></FONT></P>

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securities registered pursuant to Section 12(b) of the Act:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 42%; border: Black 1pt solid; padding: 2pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">Title of each class</FONT></TD>
    <TD STYLE="width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">Trading<BR>
Symbol(s)</FONT></TD>
    <TD STYLE="width: 42%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">Name of each exchange on which registered</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Common Stock, $1.00 par value per share</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">CBU</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 2pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">New York Stock Exchange</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 310.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: right; margin-bottom: 0pt; margin-right: 0.5in">Emerging growth company&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act.&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On July 22, 2019, Community Bank System, Inc. announced its
results of operations for the quarter ended June 30, 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: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 90%; margin-left: 0.4in">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><U>Exhibit No.</U></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><U>Description</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="tv525589_ex99.htm" STYLE="-sec-extract: exhibit">99</A></TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif"><A HREF="tv525589_ex99.htm" STYLE="-sec-extract: exhibit">Press Release, dated July 22, 2019</A></TD></TR>
</TABLE>


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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date: July 22, 2019</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 50%; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Mark E. Tryniski</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mark E. Tryniski, President, Chief Executive
    Officer and Director</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Date: July 22, 2019</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Joseph E. Sutaris</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Joseph E. Sutaris, Executive Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE>


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

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

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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>tv525589_ex99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<P STYLE="margin: 0; text-align: right"><B>Exhibit&nbsp;99</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; font-size: 10pt"><IMG SRC="image_002.jpg" ALT=""></TD>
    <TD STYLE="width: 40%">
        <P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>News Release</U></B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">For further information, please contact:</P>&nbsp;</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: 0pt 0; text-align: center">Joseph E. Sutaris, EVP &amp; Chief Financial
        Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Office: (315) 445-7396</P>
        </TD></TR>
</TABLE>


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

<P STYLE="font: small-caps bold 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Community Bank System Reports</P>

<P STYLE="font: small-caps bold 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Second Quarter 2019 Results</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; July 22, 2019 &mdash; Community Bank
System, Inc. (NYSE: CBU) reported second quarter 2019 net income of $45.0 million, or $0.86 per share on a fully diluted basis.
This compares to $44.6 million in net income or $0.86 per share reported for the second quarter of 2018. Operating diluted earnings
per share, which exclude acquisition expenses, realized gains on the sale of investment securities and unrealized losses on equity
securities, were $0.80 for the second quarter of 2019. This compares to operating diluted earnings per share of $0.86 in the second
quarter of 2018. Increases in net interest income, nonbanking financial services revenues, realized gains on the sale of investment
securities and a decrease in the provision for loan losses were offset by a decrease in noninterest banking revenues primarily
related to the impact of the Durbin Amendment on interchange revenues, higher operating expenses, a higher effective income tax
rate and an increase in fully-diluted shares outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On a linked quarter basis, fully-diluted earnings per share
increased $0.06, or 7.5%, due to realized gains on the sale of investment securities and an increase in net interest income, offset,
in part, by an increase in operating expenses and higher income taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><U>Second Quarter 2019 Performance Highlights</U>:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>GAAP EPS of $0.86</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Operating EPS of $0.80</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Net interest margin of 3.80%, up seven basis points over the second quarter of 2018</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Deposit funding costs of 0.22%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Annualized net charge-offs of 0.08%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Return on assets of 1.68%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Return on tangible equity of 17.74%</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Noninterest revenues (excluding realized gains on sale of investment securities) represent 38.8% of operating revenues</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">v</FONT></TD><TD>Nonbanking financial services revenues were up $2.2 million, or 6.1% over the second quarter of 2018</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;Our second quarter operating results reflect another
solid and productive performance characterized by consistent and effective execution of our ongoing business strategy,&rdquo; said
President and Chief Executive Officer Mark E. Tryniski. &ldquo;Solid execution by both our core banking and financial services
businesses 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. Although the yield curve has flattened, the Company recorded
a $1.5 million, or 1.7%, increase in net interest income over the prior year second quarter. Earning asset yields were up 15 basis
points from the prior year second quarter, while funding costs increased nine basis points, resulting in a seven basis point improvement
in net interest margin over the second quarter of 2018. Total average deposits were up $92.3 million, or 1.1%, compared to the
linked first quarter, but ending deposits were down $131.5 million, or 1.5%, due to a seasonal net outflow of municipal deposits.
Deposit funding costs remained well below industry and peer averages at 0.22% for the quarter, and the funding mix remained strong
with almost 70% of total deposits in checking and savings accounts. Total ending loans increased $18.0 million, or 0.3%, during
the second quarter despite a $39.9 million decrease in municipal loans as seasonally expected. Average total loans were up $21.0
million, or 0.3%, as compared to the linked first quarter and were up $44.0 million, or 0.7%, as compared to the same quarter last
year.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Mr. Tryniski added, &ldquo;In the first quarter of 2019, we
announced a definitive agreement to acquire Kinderhook Bank Corp., parent company of The National Union Bank of Kinderhook. This
transaction closed on Friday, July 12, 2019 and the companies were operationally integrated over that same weekend. The transaction
extends 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. It also complements the commitment we made in 2018 when we added an experienced commercial
banking team focused on the greater Albany area. We welcome the employees of the former Kinderhook franchise into the Community
Bank family and look forward to serving the needs of our customers in those markets for years to come.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Total revenues for the second quarter of 2019 were&nbsp;$149.0
million, an increase of&nbsp;$5.6 million, or 3.9%, over the second quarter of 2018. The Company recorded a $1.5 million, or 1.7%,
increase in net interest income and a $4.1 million, or 7.3%, increase in noninterest revenues between comparable quarters. The
increase in net interest income was driven by an increase in the yield on earning assets, offset, in part by higher funding costs.
The increase in noninterest revenue was largely due to the recognition of realized gains on the investment securities portfolio.
During the second quarter of 2019, the Company sold $590.2 million of its available-for-sale Treasury securities with a remaining
maturity of less than five years, which generated net realized gains of $4.9 million. The securities were sold when interest rates
on the short-end of the yield curve dropped precipitously, providing an opportunity to hold the proceeds in higher yielding interest-earning
cash until more attractive securities reinvestment options become available. There were no realized securities gains recorded in
the second quarter of 2018. In addition, the Company&rsquo;s revenues increased in all three of its nonbanking fee-based businesses,
employee benefit services, wealth management and insurance, by a total of $2.2 million, or 6.1%. Deposit service fees decreased
$3.0 million, or 15.7%, including a $3.5 million decrease due to Durbin-mandated price restrictions on debit-interchange fees for
banks with over $10.0 billion in total assets, offset by a $0.5 million increase in other deposit related fees. On a linked quarter
basis, total revenues increased $6.5 million, or 4.5%, due primarily to recognition of $4.9 million in net realized gains on the
investment securities portfolio during the second quarter and a $1.4 million, or 1.7%, increase in net interest income. Excluding
realized gains on investment securities, noninterest revenues contributed 38.8% of total operating revenues for the second quarter
similar to the linked first quarter and second quarter 2018 results.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company recorded a $1.4 million provision for loan losses
in the second quarter 2019. This was&nbsp;$1.0 million&nbsp;less than the amount recorded in the second quarter of 2018, and reflected
an improvement in the Company&rsquo;s asset quality metrics between the quarterly periods. The non-performing loan to total loan
ratio stood at 0.39% at the end of the second quarter of 2019. This compares to 0.47% at the end of the second quarter of 2018.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Total operating expenses for the second quarter of 2019 were
$91.2 million, as compared to $86.1 million in the second quarter of 2018, an increase of $5.1 million, or 5.9%. The increase was
driven by a $1.1 million increase in acquisition-related expenses associated with the Kinderhook transaction, a $1.6 million, or
3.1%, increase in salaries and employee benefits and a net increase in all other operating expenses of $2.4 million. By comparison,
during the first quarter of 2019, the Company incurred total operating expenses of $88.7 million, including $0.5 million of acquisition-related
expenses. Exclusive of acquisition-related expenses, operating expenses increased $1.9 million, or 2.1%, on a linked quarter basis
due, in part, to an additional day of payroll in the second quarter as compared to the first quarter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company generated net interest income of $88.3 million during
the second quarter of 2019. This represents an increase of $1.5 million, or 1.7%, compared to the second quarter of 2018. In addition,
net interest margin improved seven basis points, from 3.73% in the second quarter of 2018 to 3.80% in the second quarter of 2019.
The second quarter 2019 net interest income and net interest margin results were favorably impacted by a 15-basis point increase
in the yield on loans, a 64-basis point increase in the yield on cash equivalents and an eight-basis point increase in investment
securities yields, offset, in part, by a nine basis point increase in the cost of funds. Although the increase in net interest
income was largely driven by rate factors, a $44.0 million increase in average loans outstanding; a higher-yielding asset class
than cash equivalents and investment securities, and balance increases in lower-cost funding sources, including checking and savings
accounts, also contributed favorably to the improvement. During the second quarter of 2019, average balances in lower cost core
funding sources, including checking and savings accounts, represented approximately 66% of the Company&rsquo;s funding base, as
compared to approximately 64% in the second quarter of 2018. This change in the funding mix helped maintain total funding costs
at a favorable 0.28% in the second quarter of 2019, an increase of only nine-basis points over the second quarter of 2018.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On a linked quarter basis, net interest income increased $1.4
million, or 1.7%, while net interest margin was unchanged at 3.80%. Second and first quarter 2019 results were favorably impacted
by four basis points due to a $0.9 million Federal Reserve Bank semi-annual dividend, and $1.0 million in commercial loan fees,
respectively. Both the yield on earning assets and total funding costs increased one basis point between the first quarter and
the second quarter. Due to the Federal Reserve Bank&rsquo;s size-based dividend payment policies, it is anticipated that the Company&rsquo;s
semi-annual dividend payment will be reduced in future periods, with an expected semi-annual quarterly impact of approximately
one cent per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company recorded income tax expense of $11.4 million in
the second quarter of 2019. This compares to income tax expense of $10.2 million recorded in the second quarter of 2018. The increase
in income tax expense was driven by an increase in pre-tax income, including a $4.9 million increase in realized gains on investment
securities, and a decrease in income tax benefits from equity-based compensation. The effective tax rate for the second quarter
of 2019 was 20.2%, as compared to 18.7% in the second quarter of 2018. The effective tax rate for the second quarter of 2019 exclusive
of equity-based compensation tax benefits was 21.3%, as compared to 20.9% in the second quarter of 2018. The effective tax rate
for the first quarter of 2019 was 18.5%, which included a higher level of income tax benefits from equity-based compensation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company provides supplemental reporting of its results on
an &ldquo;operating,&rdquo; &ldquo;adjusted&rdquo; and &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,
net realized gain on the sale of investments, the unrealized gain or 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 $0.84 in the second quarter of 2019, compared to
$0.90 in the second quarter of 2018, a $0.06, or 6.7% decrease, due almost entirely to the previously-mentioned impact of Durbin-related
reductions in interchange revenues.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Average earning assets were up $53.5 million, or 0.6%, on a
linked quarter basis, from $9.37 billion during the first quarter of 2019 to $9.43 billion during the second quarter of 2019. Average
loan balances were $6.29 billion for the second quarter, up $21.0 million, or 0.3%, over the first quarter. Increases in average
outstanding balances of consumer mortgages, consumer installment loans and business lending during the quarter were partially offset
by a decrease in home equity loans. Average deposit balances were up $92.3 million, or 1.1%, from first quarter levels, due to
an increase in retail and business deposits, offset in part, by a net decrease in municipal deposits as seasonally expected. Ending
deposits were seasonally down $131.5 million, or 1.5%, between the end of the first quarter and the end of the second quarter due
to the net outflow in municipal deposits. Average borrowings in the second quarter of 2019 of $319.5 million, were down $54.2 million,
or 14.5%, on a linked quarter basis. This was primarily attributable to a decrease in municipal customer repurchase agreement balances
of $26.1 million, or 11.8%, between the periods as seasonally expected and a $25.3 million decrease in average overnight Federal
Funds borrowings.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ending loans at June 30, 2019 were $6.28 billion. This is up
$18.0 million, or 0.3%, from the end of the first quarter of 2019 and $2.9 million higher year-to-date. During the second quarter,
an $18.4 million increase in consumer mortgages and a $17.1 million increase in consumer installment loans were partially offset
by a $14.8 million decrease in the business lending portfolio and a $2.7 million decrease in home equity balances. Ending loans
in the municipal sector of our business lending portfolio decreased from $93.8 million at March 31, 2019 to $53.9 million at June
30, 2019, a $39.9 million decrease. Certain municipal customers repay short-term loans and lines of credit annually at the end
of the second quarter to meet their fiscal cycle requirements and advance on new loans and lines of credit in the third quarter
for the next annual fiscal cycle. The Company expects the average balances in this portfolio to increase during the third quarter
of 2019 to levels similar to the first quarter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investment securities totaled $2.40 billion at June 30, 2019.
This is down $563.9 million, or 19.0% from the end of the linked first quarter of 2019 and $579.4 million, or 19.4%, from the end
of fourth quarter of 2018. During the second quarter of 2019, the Company sold $590.2 million of Treasury securities. These proceeds
were primarily held in overnight Federal Funds at higher net yields. Despite these securities sales during the quarter, the net
unrealized gain in this portfolio was $36.5 million at June 30, 2019, compared to a $7.9 million net unrealized gain at March 31,
2019 and a $16.0 million net unrealized loss at December 31, 2018. The investment securities portfolio transitioned from a net
unrealized loss position in December 2018 to a net unrealized gain position during 2019 due to a decrease in market interest rates.
The effective duration of the securities portfolio was 2.7 years at the end of the second quarter, as compared to 3.0 years at
the end of the first quarter of 2019.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders&rsquo; equity of $1.81 billion at the end of the
second quarter was $152.6 million, or 9.2%, higher than the prior year period. The Company&rsquo;s net tangible equity to net tangible
assets ratio was 10.56% at June 30, 2019, up from 9.00% a year earlier and 9.83% at the end of the first quarter of 2019. The Company&rsquo;s
Tier 1 leverage ratio was 11.54% at the end of the second quarter, up from 11.27% at the end of the first quarter and 10.53% a
year earlier. These results are primarily driven by strong earnings generation and capital retention over the last four quarters.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company&rsquo;s asset quality metrics continue to illustrate
the long-term effectiveness of the Company&rsquo;s disciplined credit risk management and underwriting standards. Total net charge-offs
were $1.2 million for the second quarter, compared to $0.9 million for the second quarter of 2018 and $2.6 million for the first
quarter of 2019. Net charge-offs as an annualized percentage of average loans measured 0.08% in the second quarter of 2019, compared
to 0.06% in the prior year&rsquo;s second quarter and 0.17% in the first quarter of 2019. Nonperforming loans as a percentage of
total loans at June 30, 2019 were 0.39%, unchanged from March 31, 2019 and improved from 0.47% at June 30, 2018. The total loan
delinquency ratio of 0.87% at the end of the second quarter was one basis point lower than the level at March 31, 2019, and two
basis points lower than one year earlier. The allowance for loan losses to nonperforming loans was 202% at June 30, 2019 and March
31, 2019, as compared to 169% at the June 30, 2018.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the second quarter of 2019, the Company declared a quarterly
cash dividend of $0.38 per share on its common stock, an increase of 11.8% compared to a $0.34 dividend declared in the second
quarter of 2018. The second quarter 2019 dividend represents an annualized yield of 2.36% based upon the $64.42 closing price of
the Company&rsquo;s stock on July 19, 2019. The $0.04 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 in earnings and cash flow results continue to provide
further strength to the Company&rsquo;s capital accumulation and dividend capacity into the future,&rdquo; said Mark E. Tryniski,
President and Chief Executive Officer.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On July 12, 2019, the Company announced that it had completed
the acquisition of Kinderhook Bank Corp. (&ldquo;Kinderhook&rdquo;) in an all cash transaction for total consideration of $93.4
million (the &ldquo;Merger&rdquo;). In connection with the Merger, Kinderhook&rsquo;s wholly-owned bank subsidiary, The National
Union Bank of Kinderhook was merged into the Company&rsquo;s banking subsidiary, Community Bank, N.A. The Merger extended the Company&rsquo;s
branch footprint into the Capital District of Upstate New York and added 11 full-service branch locations across a five county
area. Inclusive of the Kinderhook acquisition, the Company&rsquo;s total assets increased to approximately $11.3 billion, including
total loans of approximately $6.8 billion and total deposits of approximately $9.0 billion. This transaction is expected to be
approximately $0.07 - $0.08 per share accretive to the Company&rsquo;s first full year of GAAP earnings, excluding one-time transaction
costs.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Company management will conduct an investor call at 11:00 a.m.
(ET) today, July 22, 2019, to discuss second quarter 2019 results. The conference call can be accessed at 866-337-5532 (856-344-9184
if outside United States and Canada) using the conference ID code 9068098. Investors may also listen live via the Internet at:
https://www.webcaster4.com/Webcast/Page/995/30937.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Community Bank System, Inc. operates over 234 customer facilities
across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary, Community
Bank, N.A. With assets of over $11.0 billion (including the former Kinderhook), 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 Community
Bank Wealth Management Group and OneGroup NY, Inc. operating subsidiaries. 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.cbna.com
</U></FONT>or <U>http://ir.communitybanksystem.com</U>.</P>

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

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

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

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

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



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 3.75pt; margin-bottom: 0pt"><B>Summary of Financial Data (unaudited)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 3.75pt; margin-bottom: 0pt"><B>(Dollars in thousands, except per share data)</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>Quarter Ended</B></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>Year-to-Date</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 60%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>June 30, 2019</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>June 30, 2018</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>June 30, 2019</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>June 30, 2018</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$74,067</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$71,152</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$147,770</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$140,593</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,285</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,853</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">39,263</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">38,816</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">94,352</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">91,005</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">187,033</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">179,409</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest expense</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,052</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,159</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11,874</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">7,939</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">88,300</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,846</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">175,159</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">171,470</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,400</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,448</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,822</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,127</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,900</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">84,398</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">171,337</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">165,343</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposit service fees</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">15,996</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,964</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">31,860</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">38,141</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,147</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,163</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,683</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,406</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">14,907</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">13,911</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">29,118</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">27,976</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Employee benefit services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">23,787</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">22,542</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">47,841</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">45,548</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,882</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,882</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Unrealized (loss)gain on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(13)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(21)</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(21)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">60,706</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">56,559</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">116,402</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">114,050</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,008</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,402</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">107,387</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">104,261</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,619</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,437</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,907</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,968</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,904</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,555</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,034</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,353</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,194</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">71</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,728</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">63</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">22,451</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,647</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">42,772</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">38,798</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">91,176</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,112</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">179,828</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">172,443</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income before income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">56,430</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,845</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">107,911</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">106,950</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11,415</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,239</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,950</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">22,238</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Net income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$45,015</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$44,606</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$86,961</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$84,712</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.87</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.87</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1.68</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1.65</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.86</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.86</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1.66</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1.63</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; border-top: Black 1pt solid"><B>2019</B></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Earnings</B></TD>
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$74,067</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$73,703</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$73,316</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$72,256</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$71,152</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,285</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,978</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,105</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,647</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,853</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: -0.125in; text-indent: 10pt">Total interest income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">94,352</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">92,681</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">92,421</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">90,903</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">91,005</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest expense</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,052</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,822</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,034</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,705</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,159</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">88,300</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,859</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">87,387</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,198</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,846</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Provision for loan losses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,400</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,422</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,495</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,215</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,448</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,900</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">84,437</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">84,892</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">83,983</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">84,398</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposit service fees</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">15,996</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">15,864</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">16,116</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">16,127</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,964</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,147</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,536</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,026</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,536</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,163</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Wealth management and insurance services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">14,907</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">14,211</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">13,675</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">14,438</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">13,911</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Employee benefit services</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">23,787</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">24,054</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">23,466</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">23,265</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">22,542</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,882</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Unrealized (loss)gain on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(13)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">31</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(65)</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">743</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(21)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(318)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">60,706</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">55,696</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,218</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">55,791</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">56,559</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Salaries and employee benefits</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,008</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">53,379</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,040</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,062</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,402</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Occupancy and equipment</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,619</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,288</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,210</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,770</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,437</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Amortization of intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,904</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,130</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,375</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,427</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4,555</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,194</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">534</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">(832)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">71</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">22,451</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,321</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,988</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,806</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,647</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">91,176</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">88,652</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">87,613</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">85,233</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">86,112</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income before income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">56,430</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,481</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,497</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,541</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">54,845</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Income taxes</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11,415</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,535</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,674</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11,435</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,239</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Net income</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$45,015</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$41,946</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$40,823</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$43,106</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$44,606</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Basic earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.87</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.81</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.79</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.84</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.87</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted earnings per share</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.86</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.80</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.78</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.83</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.86</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Profitability</B></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.68%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.59%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.53%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.61%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.66%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Return on equity</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.18%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.85%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.63%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.28%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.91%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">17.74%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">17.61%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">17.61%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19.06%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20.58%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">38.8%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">39.1%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">38.5%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">39.4%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">39.7%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Efficiency ratio</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">59.8%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">59.1%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">59.1%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">58.0%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">57.2%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loan yield</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.73%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.78%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.65%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.57%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.58%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash equivalents yield</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.37%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.33%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.85%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.60%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.73%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment yield</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.73%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.59%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.62%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.55%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2.65%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Earning asset yield</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.06%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">4.05%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.99%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.91%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.91%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest-bearing deposit rate</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.30%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.27%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.22%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.18%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.15%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowing rate</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.87%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.86%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.68%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.96%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.80%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.37%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.36%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.31%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.29%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.25%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cost of funds (includes DDA)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.28%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.27%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.23%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.21%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.19%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net interest margin (FTE)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.80%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.80%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.77%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.71%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3.73%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$990</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1,008</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1,062</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1,071</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$1,094</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2019</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2018</B></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; border-left: Black 1pt solid; 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 STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Average Balances</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2.2pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2.2pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2.2pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2.2pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2.2pt; padding-left: 0.75pt">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loans</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$6,294,772</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$6,273,798</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$6,276,231</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$6,289,868</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$6,250,739</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash equivalents</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">334,304</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">121,304</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">28,817</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">26,832</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">170,745</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Taxable investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,400,516</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,574,902</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,577,366</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,574,116</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,575,962</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nontaxable investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">397,316</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">403,359</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">423,902</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">441,719</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">457,254</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total interest-earning assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,426,908</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,373,363</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,306,316</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,332,535</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,454,700</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Total assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,771,975</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,687,708</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,575,272</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,619,872</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,752,203</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Interest-bearing deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,170,832</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,107,732</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,039,390</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,077,581</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,282,098</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowings</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">319,505</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">373,656</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">389,378</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">393,483</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">397,101</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total interest-bearing liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,490,337</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,481,388</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,428,768</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,471,064</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,679,199</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Noninterest-bearing deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,326,630</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,297,472</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,317,042</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,336,778</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,287,722</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,774,400</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,726,313</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,682,525</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,664,234</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,640,076</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Balance Sheet Data</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash and cash equivalents</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$874,836</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$508,364</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$211,834</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$256,838</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$250,154</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Investment securities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,402,272</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,966,147</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,981,658</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,948,057</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,983,352</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Loans:</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Business lending</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,395,684</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,410,477</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,396,977</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,403,624</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,384,629</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Consumer mortgage</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,255,782</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,237,430</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,235,408</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,220,022</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,210,051</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Consumer indirect</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,082,834</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,070,840</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,083,207</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,098,943</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,063,679</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Home equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">371,619</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">374,297</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">386,709</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">393,950</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">398,433</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Consumer direct</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">178,151</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">173,042</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">178,820</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">184,349</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">181,217</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Total loans</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,284,070</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,266,086</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,281,121</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,300,888</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,238,009</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Allowance for loan losses</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">49,310</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">49,107</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">49,284</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">50,133</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">49,618</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Intangible assets, net</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">800,515</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">804,419</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">807,349</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">811,700</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">816,127</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">433,005</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">420,558</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">374,617</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">392,217</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">395,070</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total assets</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,745,388</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,916,467</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,607,295</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,659,567</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,633,094</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Deposits:</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Noninterest-bearing</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,363,408</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,346,635</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,312,816</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,346,932</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,332,745</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Non-maturity interest-bearing</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,356,448</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,517,141</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,270,015</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,366,488</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">5,439,101</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Time</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">768,349</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">755,886</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">739,540</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">750,401</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">742,147</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">Total deposits</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,488,205</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,619,662</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,322,371</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,463,821</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,513,993</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Borrowings</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">144,290</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">251,833</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">315,743</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">276,559</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">183,785</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Subordinated debt held by unconsolidated subsidiary trusts</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">97,939</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">122,826</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accrued interest and other liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">205,444</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">189,905</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">157,459</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">152,903</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">155,531</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total liabilities</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,935,878</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9,159,339</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,893,512</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,991,222</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">8,976,135</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,809,510</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,757,128</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,713,783</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,668,345</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,656,959</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt">Total liabilities and shareholders' equity</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,745,388</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,916,467</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,607,295</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,659,567</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10,633,094</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Capital</B></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: silver; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tier 1 leverage ratio</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11.54%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11.27%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">11.08%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.72%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.53%</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tangible equity/net tangible assets <SUP>(2)</SUP></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">10.56%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.83%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.68%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.13%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">9.00%</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Diluted weighted average common shares O/S</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,356</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,195</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,122</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">52,086</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,939</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Period end common shares outstanding</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,571</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,471</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,258</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,137</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">51,086</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Cash dividends declared per common share</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.38</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.38</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.38</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.38</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$0.34</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Book value</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$35.09</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$34.14</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$33.43</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$32.63</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$32.43</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Tangible book value<SUP>(2)</SUP></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$20.45</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$19.40</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$18.59</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$17.67</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$17.39</TD>
    </TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Common stock price (end of period)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$65.84</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$59.77</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$58.30</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$61.07</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$59.07</TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2019</B></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><B>2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><B>2nd Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2.65pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2.65pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2.65pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2.65pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2.65pt; padding-left: 0.75pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$21,413</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$21,252</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$22,544</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$21,982</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$22,807</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,047</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,019</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,455</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,951</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,532</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">24,460</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">24,271</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">24,999</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">24,933</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">29,339</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,736</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,524</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,320</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,142</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,310</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt">&nbsp;Total nonperforming assets</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">26,196</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">25,795</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">26,319</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">26,075</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">30,649</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,197</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,599</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,345</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,700</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">933</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.78%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.78%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.78%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.80%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.80%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.39%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.39%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.40%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.40%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.47%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">202%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">202%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">197%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">201%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">169%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.08%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.17%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.21%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.11%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.06%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.87%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.88%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.00%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.93%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.89%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">117%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">93%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">75%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">130%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">262%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.25%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.29%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><B>Asset Quality (excluding loans acquired since 1/1/09)</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonaccrual loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$15,529</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$15,524</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$16,182</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$14,684</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">$14,644</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Accruing loans 90+ days delinquent</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,863</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,593</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,106</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">2,688</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">6,243</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,392</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,117</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,288</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">17,372</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">20,887</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Other real estate owned (OREO)</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,145</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">898</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">669</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">859</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,025</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,537</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">19,015</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,957</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">18,231</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">21,912</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,234</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,516</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">3,053</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1,533</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">552</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.93%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.94%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.93%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.96%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.98%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Nonperforming loans/loans outstanding</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.36%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.36%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.36%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.35%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.43%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">260%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">262%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">256%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">274%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">225%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Net charge-offs/average loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.10%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.12%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.24%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.12%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.05%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">Delinquent loans/ending loans</TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.89%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.89%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">1.06%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.97%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.91%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">123%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">142%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">76%</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">138%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">364%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; 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 STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.20%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 2pt; padding-left: 2pt; text-align: right">0.24%</TD></TR>
</TABLE>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2019</B></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2nd Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: -2.85pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -5.55pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: -1.6pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Income statement data</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: -2.85pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: -5.55pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: -1.6pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Net income</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Net income (GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$45,015</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$41,946</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$40,823</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$43,106</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,606</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,194</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">534</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(832)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">71</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(242)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(99)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">174</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(13)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,967</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,381</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">40,823</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,448</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">44,664</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,882)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">988</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,073</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,381</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">40,823</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,448</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">44,664</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Unrealized loss(gain) on equity securities</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">13</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(31)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">65</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(743)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of unrealized loss(gain) on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(3)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">6</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(13)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">156</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,083</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,356</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">40,875</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">41,861</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">44,681</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">318</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(67)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Operating net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,083</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,356</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">40,875</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">42,112</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">44,681</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">3,904</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">4,130</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">4,375</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">4,427</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">4,555</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(790)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(765)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(907)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(928)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(850)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,197</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,721</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">44,343</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,611</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">48,386</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,302)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,330)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,838)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,980)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(2,040)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">263</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">246</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">381</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">415</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">381</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,158</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,637</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$42,886</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,046</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$46,727</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Return on average assets</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,158</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,637</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$42,886</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,046</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$46,727</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Average total assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,771,975</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,687,708</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,575,272</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,619,872</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,752,203</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Adjusted return on average assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1.64%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1.69%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1.61%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1.65%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1.74%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Return on average equity</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Adjusted net income (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,158</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,637</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$42,886</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$44,046</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$46,727</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Average total equity</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,774,400</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,726,313</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,682,525</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,664,234</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,640,076</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Adjusted return on average equity</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9.98%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10.49%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10.11%</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10.50%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">11.43%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Earnings per common share</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Diluted earnings per share (GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.86</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.80</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.78</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.83</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.86</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.02</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.88</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.86</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.10)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.02</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.80</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.86</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Unrealized loss(gain) on equity securities</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.01)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of unrealized loss(gain) on equity securities</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.80</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.80</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.86</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Operating diluted earnings per share (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.80</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.78</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.81</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.86</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.07</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.08</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.08</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.08</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.09</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.01)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Subtotal (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.85</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.88</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.84</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.87</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.93</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.02)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.03)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.04)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.04)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(0.04)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax effect of acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.00</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0.01</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Diluted adjusted net earnings per share (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.84</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.85</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.81</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.84</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$0.90</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.15pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2019</B></TD>
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>2nd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>1st Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>4th Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>3rd Qtr</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><B>2nd Qtr</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -0.9pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Income statement data (continued)</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: -0.9pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Noninterest operating expenses</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: -4.65pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Noninterest expenses (GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$91,176</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$88,652</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$87,613</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$85,233</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$86,112</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Amortization of intangibles</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(3,904)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,130)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,375)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,427)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,555)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,194)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(534)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">832</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(71)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Total adjusted noninterest expenses (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$86,078</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$83,988</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$83,238</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$81,638</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$81,486</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Efficiency ratio </B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Adjusted noninterest expenses (non-GAAP) - numerator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$86,078</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$83,988</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$83,238</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$81,638</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$81,486</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Tax-equivalent net interest income</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">89,290</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">87,867</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">88,449</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">87,269</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">87,940</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Noninterest revenues</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">60,706</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">55,696</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">54,218</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">55,791</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">56,559</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Acquired non-impaired loan accretion</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,302)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,330)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,838)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(1,980)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(2,040)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Gain on sale of investments, net</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(4,882)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Unrealized loss(gain) on equity securities</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">13</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(31)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">65</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(743)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Loss on debt extinguishment</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">318</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">0</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Operating revenues (non-GAAP) - denominator</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">143,825</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">142,202</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">140,894</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">140,655</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">142,480</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Efficiency ratio (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">59.8%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">59.1%</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">59.1%</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">58.0%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">57.2%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Balance sheet data</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Total assets</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Total assets (GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$10,745,388</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$10,916,467</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$10,607,295</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$10,659,567</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$10,633,094</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Intangible assets</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(800,515)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(804,419)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(807,349)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(811,700)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(816,127)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Deferred taxes on intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,576</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,994</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">46,370</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">46,882</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">47,334</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Total tangible assets (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,990,449</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,158,042</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,846,316</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,894,749</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,864,301</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Total common equity</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Shareholders' Equity (GAAP)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,809,510</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,757,128</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,713,783</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,668,345</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,656,959</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Intangible assets</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(800,515)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(804,419)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(807,349)</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(811,700)</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">(816,127)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Deferred taxes on intangible assets</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,576</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">45,994</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">46,370</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">46,882</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">47,334</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Total tangible common equity (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">1,054,571</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">998,703</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">952,804</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">903,527</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">888,166</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt"><B>Net tangible equity-to-assets ratio at quarter end</B></TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Total tangible common equity (non-GAAP) - numerator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$1,054,571</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$998,703</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$952,804</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$903,527</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">$888,166</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.125in">Total tangible assets (non-GAAP) - denominator</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,990,449</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10,158,042</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,846,316</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,894,749</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9,864,301</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 0.25in">Net tangible equity-to-assets ratio at quarter end (non-GAAP)</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">10.56%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9.83%</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right; border-bottom: Black 2pt double">9.68%</TD>
    <TD STYLE="white-space: nowrap; padding-right: 2pt; padding-left: 5.4pt; text-align: right; border-bottom: Black 2pt double">9.13%</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 2pt double; padding-right: 2pt; padding-left: 5.4pt; text-align: right">9.00%</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 1pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: -1.05pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: -4.6pt; padding-left: 5.4pt; text-align: right">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt; text-indent: -0.25in"><I><SUP>&nbsp;</SUP></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt; text-indent: -0.9pt"><I><SUP>(1)</SUP> Excludes gain
on sales of investments, unrealized gain and loss on equity securities and loss on debt extinguishment.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt; text-indent: -0.9pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt"><I><SUP>(2)</SUP> Includes deferred tax liabilities
related to certain intangible assets.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt; text-indent: -0.9pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt"></P>

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

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

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

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