<SEC-DOCUMENT>0001104659-21-054728.txt : 20210426
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<ACCEPTANCE-DATETIME>20210426084931
ACCESSION NUMBER:		0001104659-21-054728
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20210426
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210426
DATE AS OF CHANGE:		20210426

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:		21851790

	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
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<p style="margin: 0"></p>

<p style="margin: 0pt 0">&#160;</p>

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<p style="margin: 0pt 0">&#160;</p>

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

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

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

<p style="font: 14pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>&#160;</b></p>

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

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_901_edei--DocumentType_c20210426__20210426_zdDtCj8kRbul"><ix:nonNumeric contextRef="From2021-04-26to2021-04-26" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
<b><span id="xdx_900_edei--DocumentPeriodEndDate_c20210426__20210426_z0I79xklbYme"><ix:nonNumeric contextRef="From2021-04-26to2021-04-26" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">April 26, 2021</ix:nonNumeric></span></b></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><img src="tm2113938d1_8kimg001.jpg" alt="" /></p>

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

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

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Registrant&#8217;s telephone number, including area code: <b>(<span id="xdx_908_edei--CityAreaCode_c20210426__20210426_zk7wT7l5VRi4"><ix:nonNumeric contextRef="From2021-04-26to2021-04-26" name="dei:CityAreaCode">315</ix:nonNumeric></span>)
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

<!-- Field: Rule-Page --><div style="margin: 0pt; width: 100%"><div style="border-top: Black 1pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

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

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

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

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

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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr>
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<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span 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))</span></td></tr>
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<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
    <td style="width: 0in">&#160;</td>
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    <td style="text-align: justify"><span 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))</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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

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    <td style="border: black 1pt solid; border-image: none; width: 33%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Title of each class</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 34%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Trading Symbol(s)</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 33%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Name of each exchange on which registered</span></td></tr>
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    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_90E_edei--Security12bTitle_c20210426__20210426_zNena1iV7Cw3"><ix:nonNumeric contextRef="From2021-04-26to2021-04-26" name="dei:Security12bTitle">Common Stock, $1.00 par value per share</ix:nonNumeric></span></span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 310.5pt">&#160;</p>

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


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  <td style="padding: 0; text-indent: 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.</td>
  <td style="padding: 0; text-align: right; width: 0.25in; text-indent: 0"><span style="font-family: Wingdings">&#168;</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;&#160;</p>

<!-- Field: Rule-Page --><div style="margin: 0pt; width: 100%"><div style="border-top: Black 1pt solid; border-bottom: Black 2pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

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

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

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

<!-- Field: Page; Sequence: 1 -->
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in"><b>Item 2.02</b></td><td><b>Results of Operations and Financial Condition.</b></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On April&#160;26, 2021, Community Bank System,&#160;Inc.
(&#8220;Community Bank System&#8221;) announced its results of operations for the quarter ended March&#160;31, 2021. The public announcement
was made by means of a news release, the text of which is set forth in Exhibit&#160;99.1.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information in this Form&#160;8-K, including
Exhibit&#160;99.1 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be &#8220;filed&#8221; for purposes of
Section&#160;18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or incorporated by reference in any
filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference
in such filing.</p>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in"><b>Item 9.01</b></td><td><b>Financial Statements and Exhibits.</b></td></tr></table>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><b>(d)&#160; Exhibits</b></p>

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

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<td style="width: 0.5in"></td><td style="width: 0.5in"><a href="tm2113938d1_ex99-1.htm" style="-sec-extract: exhibit">99.1</a></td><td><a href="tm2113938d1_ex99-1.htm" style="-sec-extract: exhibit">Press Release, dated April&#160;26, 2021, issued by Community Bank System,&#160;Inc.</a></td></tr></table>

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

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.5in"></td><td style="width: 0.5in">104</td><td>Cover Page&#160;Interactive Data File (embedded in the cover page&#160;formatted in Inline XBRL)</td></tr></table>

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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

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

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  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td colspan="2"><span style="font-size: 10pt"><b>Community Bank System,&#160;Inc.</b></span></td></tr>
  <tr style="vertical-align: bottom">
    <td style="width: 50%"><span style="font-size: 10pt">&#160;</span></td>
    <td style="width: 3%"><span style="font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 47%"><span style="font-size: 10pt">&#160;</span></td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">&#160;</span></td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td><span style="font-size: 10pt">By:</span></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">/s/ Joseph E.
    Sutaris</span></td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td colspan="2"><span style="font-size: 10pt">Name: Joseph E. Sutaris</span></td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td colspan="2"><span style="font-size: 10pt">Title: Executive Vice President and Chief Financial Officer</span></td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">&#160;</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: April&#160;26, 2021</p>

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




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

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;&#160;</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="width: 26%"><span style="text-decoration: underline">Exhibit&#160;Number</span> &#160;</td>
    <td style="width: 74%"><span style="text-decoration: underline">Description</span> &#160;</td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: top">
    <td><a href="tm2113938d1_ex99-1.htm">99.1 &#160;</a></td>
    <td><a href="tm2113938d1_ex99-1.htm"><span style="font: 10pt Times New Roman, Times, Serif">Press Release, dated April&#160;26, 2021, issued by Community Bank System,&#160;Inc.</span></a></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
  <tr style="vertical-align: top">
    <td><span style="font: 10pt Times New Roman, Times, Serif">104</span></td>
    <td><span style="font: 10pt Times New Roman, Times, Serif">Cover Page&#160;Interactive Data File (embedded in the cover page&#160;formatted in Inline XBRL)</span></td></tr>
  </table>

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

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

<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exhibit 99.1</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
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    <TD STYLE="width: 53%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="tm2113938d1_ex99-1img001.jpg" ALT="T:\tm2113938-1\tm2113938-1_8kseq1">&nbsp;</FONT></TD>
    <TD STYLE="width: 47%; padding-right: 5.4pt; padding-left: 5.4pt">
    <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">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">For further information, please contact:</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5790 Widewaters Parkway, DeWitt, N.Y. 13214</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">Joseph E. Sutaris, EVP&nbsp;&amp; Chief Financial Officer</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Office: (315) 445-7396</P></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-variant: small-caps"><B>First
Quarter 2021 Results</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: 0pt 0">SYRACUSE, N.Y. &mdash; April&nbsp;26, 2021 &mdash; Community Bank System,&nbsp;Inc.
(NYSE: CBU) reported first quarter 2021 net income of $52.9 million, or $0.97 per fully-diluted share. This compares to $40.1 million
of net income, or $0.76 per share for the first quarter of 2020. The $0.21, or 27.6%, increase in earnings per share was primarily attributable
to an increase in net interest income, a significant decrease in the provision for credit losses and lower operating expenses, offset
in part by a decrease in noninterest revenues, and increases in income taxes and fully-diluted shares outstanding. Comparatively, the
Company recorded $0.86 in fully-diluted earnings per share for the linked fourth quarter of 2020. Operating earnings per share, which
excludes acquisition expenses and gain on debt extinguishment, were $0.97 for the first quarter of 2021, as compared to $0.77 in the first
quarter of 2020 and $0.85 in the fourth quarter of 2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>First
Quarter 2021 Performance Highlights</U></FONT>:</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</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$0.97 per share, up $0.21 per share from the first quarter of 2020</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Operating EPS (non-GAAP)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$0.97 per share, up $0.20 per share from the first quarter of 2020</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Adjusted Pre-Tax, Pre-Provision Net Revenue Per Share (non-GAAP)</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>$1.09 per share, up $0.04 per share from first quarter of 2020</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Return on Assets</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>1.51%</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Return on Equity</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>10.4%</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Total Deposit Funding Costs</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>0.11%</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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>Annualized Loan Net Charge-Offs</TD></TR></TABLE>

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

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>0.02%</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;The Company generated solid quarterly earnings results in the
first quarter of 2021 driven by improving economic conditions, lower credit-related costs, higher revenues and lower operating expenses,&rdquo;
said Mark E. Tryniski, President&nbsp;&amp; CEO. &ldquo;Our 2020 results were challenged by net interest margin headwinds and higher credit-related
costs. As we move into 2021, we are encouraged by an improving interest rate environment and better economic conditions. The Company&rsquo;s
financial services businesses continued to perform well during the quarter as the Company recorded higher revenues in all three lines
of business - employee benefit services, insurance services and wealth management versus one year earlier. Furthermore, the Company&rsquo;s
cost containment initiatives and other factors, resulted in a decrease in operating expenses as compared to the same quarter in 2020 despite
acquiring Steuben Trust Corporation (&ldquo;Steuben&rdquo;) in the second quarter of 2020. The Company&rsquo;s earnings per share of $0.97
were up $0.21, or 27.6%, over the first quarter of 2020. Net interest income increased $3.9 million, or 4.3%, over the first quarter of
2020 despite a 62 basis point decrease in net interest margin, driven by continued growth in earning assets, lower funding costs and recognition
of Paycheck Protection Program (&ldquo;PPP&rdquo;) deferred loan fees. In addition, the Company booked a $5.7 million net benefit in the
provision for credit losses during the first quarter of 2021, as compared to a $5.6 million provision for credit losses in the first quarter
of 2020, primarily reflective of improvements in the economic outlook. Financial services business revenues were also $2.3 million, or
5.7%, higher than the first quarter of 2020, while total operating expenses decreased $0.4 million, or 0.4%. These improvements were offset,
in part, by a $2.5 million, or 13.7%, decrease in banking-related noninterest revenues, a $2.8 million, or 30.4%, increase in income taxes
and a 3.4% increase in fully-diluted average shares outstanding. On the credit front, the Company continued to experience low-levels of
net charge-offs. More specifically, the Company recorded net charge-offs of $0.4 million, or 0.02% annualized during the first quarter
of 2021, which compares favorably to the first quarter 2020 net charge-offs of $1.6 million, or 0.09% annualized.&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.&nbsp;Tryniski continued, &ldquo;The Company&rsquo;s adjusted pre-tax,
pre-provision net revenue per share, which excludes income taxes, the provision for credit losses, acquisition expenses, unrealized (gain)
loss on equity securities and gain on debt extinguishment, increased $0.04 per share, from $1.05 during the first quarter of 2020 to $1.09
during the first quarter of 2021. For comparative purposes, the adjusted pre-tax, pre-provision net revenue per share in the linked fourth
quarter of 2020 was $1.03 per share. Ending loans decreased $47.6 million, or 0.6%, during the quarter from $7.42 billion at December&nbsp;31,
2020 to $7.37 billion at March&nbsp;31, 2021. During the first quarter, the Company recorded a $251.3 million net decrease in the principal
balance on first draw PPP loans and booked $191.5 million of second draw PPP loans. Exclusive of PPP loans, net of deferred fees, the
Company&rsquo;s ending loans increased $14.9 million, or 0.2%, during the first quarter. Although the Company&rsquo;s average cash equivalents
remained elevated throughout the first quarter, the Company purchased approximately $546.7 million of investment securities at a weighted-average
yield of 1.44% during the quarter in an effort to stabilize net interest margin going forward, which declined throughout 2020 as the interest
rate environment deteriorated. The Company&rsquo;s deposit balances increased $2.90 billion, or 31.2%, between March&nbsp;31, 2020 and
March&nbsp;31, 2021 and $979.3 million, or 8.7%, since December&nbsp;31, 2020, due primarily to continued inflows of Federal stimulus
and PPP funding.&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"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company
recorded total revenues of $152.5 million in the first quarter of 2021, an increase of</FONT>&nbsp;$3.8 million, or 2.6%, over the prior
year&rsquo;s first quarter. The increase in total revenues between the periods was driven by a $3.9 million, or 4.3%, increase in net
interest income, a $1.2 million, or 4.6% increase in employee benefit services revenues, and a $1.2 million, or 7.6%, increase in wealth
management and insurance services revenues, offset, in part, by a $2.3 million, or 13.1%, decrease in deposit service and other banking
fees and a $0.2 million decrease in mortgage banking income. Comparatively, total revenues were up $1.8 million, or 1.2%, over linked
fourth quarter 2020 results, driven by a $0.5 million, or 0.6%, increase in net interest income and a $1.3 million, or 2.3%, increase
in noninterest 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">The Company recorded net interest income of $94.0 million in the first
quarter of 2021. This compares to $90.1 million of net interest income recorded in the first quarter of 2020. Between comparable periods,
a large increase in average earning assets was largely offset by a 62 basis point decrease in the net interest margin. Average earning
assets increased $2.65 billion, or 26.4%, between comparable quarters due to large net inflows of funds from government stimulus programs,
PPP loan originations and the acquisition of Steuben in the second quarter of 2020, while the tax equivalent net interest margin decreased
from 3.65% in the first quarter of 2020 to 3.03% in the first quarter of 2021. In addition, the composition of earning assets changed
significantly, as the large net inflows of customer deposits were largely deployed into cash equivalents and investment securities at
lower rates of interest between the comparable periods, resulting in a significant decrease in the Company&rsquo;s earning asset yields.
The tax equivalent average yield on earning assets in the first quarter of 2021 of 3.15% was 78 basis point lower than the tax equivalent
average yield on earning assets of 3.93% in the first quarter of 2020. Comparatively, the Company recorded net interest income of $93.4
million during the fourth quarter of 2020, $0.6 million lower than first quarter 2021 results, while the tax equivalent net interest margin
was 3.05%.</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">Interest income and fees on loans increased $1.1 million, or 1.5%,
from $78.6 million in the first quarter of 2020 to $79.7 million in the first quarter of 2021. Between the comparable periods, average
total loans outstanding increased $482.1 million, or 7.0%, driven by PPP lending and the Steuben acquisition, while the average tax equivalent
yield on loans decreased 21 basis points, from 4.61% in the first quarter of 2020 to 4.40% in the first quarter of 2021. During the first
quarter, the Company recorded $6.9 million of PPP-related interest income due primarily to the recognition of $5.9 million of deferred
loan fees. During the quarter, 2,543 borrowers representing $251.3 million in PPP loan balances were granted forgiveness on their loan
by the Small Business Administration, resulting in accelerated recognition of deferred loan fees. Comparatively, the Company recorded
$77.8 million of interest income and fees on loans during the linked fourth quarter of 2020, including $3.5 million of PPP-related interest
income, while the average tax equivalent yield on loans was 4.17%.</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">Interest income on investments including cash equivalents decreased
$0.5 million, or 2.6%, between the first quarter of 2020 and the first quarter of 2021. A $0.7 million decrease in interest income on
the investment securities portfolio was partially offset by a $0.2 million increase in interest income on cash equivalents. The tax-equivalent
average yield on investments, including cash equivalents, decreased from 2.45% in the first quarter of 2020 to 1.42% in the first quarter
of 2021, reflective of lower market interest rates and a significant change in the composition of investment securities and cash equivalents.
The average book value of the investments securities portfolio increased $620.7 million, or 20.4%, between the periods, while the average
balance of cash equivalents increased $1.55 billion from $114.7 million in the first quarter of 2020 to $1.67 billion in the first quarter
of 2021. The average tax equivalent yield on the investment securities portfolio decreased 49 basis points from 2.51% in the first quarter
of 2020 to 2.02%, while the average yield on cash equivalents decreased 80 basis points from 0.90% during the first quarter of 2020 to
0.10% during the first quarter of 2021.</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">Interest expense decreased $3.2 million, or 46.5%, from $6.9 million
in the first quarter of 2020 to $3.7 million in the first quarter of 2021. Although average interest-bearing liabilities increased $1.48
billion, or 21.3%, between the periods, the precipitous drop in market interest rates between the periods resulted in a net decrease in
interest expense. The Company&rsquo;s average cost of deposits was 0.11% in the first quarter of 2021. This compares to 0.25% during the
first quarter of 2020.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the first quarter of 2021, the Company recorded a net benefit
in the provision for credit losses of $5.7 million and loan net charge-offs of $0.4 million, or 0.02%, annualized. Comparatively, the
Company recorded $5.6 million in the provision for credit losses during the first quarter of 2020 and loan net charge-offs of $1.6 million,
or 0.09% annualized. During the first quarter of 2020, economic forecasts distinctly and profoundly changed from stable at the beginning
of the quarter to severely adverse at the end of the quarter due to the onset of the COVID-19 pandemic, resulting in a significant increase
in expected life of loan losses. Conversely, during the first quarter of 2021, economic forecasts improved substantially and that drove
expected life of loan losses down, resulting in the recording of a net benefit in the provision for credit losses. In addition, the Company
recorded net charge-offs of only 0.07% of average loans in 2020, which lowered average annual historic losses and, in turn, future loan
loss projections. Based on current economic forecasts, the Company does not currently anticipate recording similarly large net benefits
in the provision for credit losses in the remainder of 2021.</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">Employee benefit services revenues for the first quarter of 2021 were
$26.5 million. This represents a $1.2 million, or 4.6%, increase over first quarter 2020 revenues. The improvement in revenues was driven
by increases in employee benefit trust and custodial fees. Wealth management revenues for the first quarter of 2021 were $8.2 million.
This compares to wealth management revenues of $7.1 million in the first quarter of 2020. The $1.1 million, or 14.9% increase in wealth
management revenues was primarily driven by increases in investment management and trust services revenues. Insurance services revenues
of $8.2 million were $0.1 million, or 1.2%, higher than the same quarter in the prior year. Banking noninterest revenues decreased $2.5
million, or 13.7%, from $18.1 million in the first quarter of 2020 to $15.6 million in the first quarter of 2021. This was driven by a
$2.3 million, or 13.1%, decrease in deposit service and other banking fees due to lower overdraft and other deposit revenues and a $0.2
million decrease in mortgage banking income. Comparatively, the Company recorded $26.7 million of employee benefit service revenues, $7.5
million of wealth management revenues and $7.6 million of insurance service revenues during the linked fourth quarter of 2020. Fourth
quarter 2020 banking noninterest revenues were $14.9 million, $0.7 million, or 4.6%, lower than first quarter 2021 banking noninterest
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">The Company recorded $93.2 million in total operating expenses in the
first quarter of 2021 versus $93.7 million of total operating expenses during the first quarter of 2020. The $0.4 million, or 0.4%, decrease
in operating expenses was attributable to a $0.6 million, or 1.1%, decrease in salaries and employee benefits, a $1.7 million, or 16.4%,
decrease in other expenses, a $0.3 million, or 8.6%, decrease in the amortization of intangible assets and a $0.3 million decrease in
acquisition-related expenses. The decreases in these expenses were partially offset by a $2.0 million, or 19.1%, increase in data processing
and communications expenses and a $0.6 million, or 5.2% increase in occupancy expense. The decrease in salaries and benefits expense was
driven by a decrease in severance costs, offset, in part by increases in merit-related employee wages and payroll taxes. Other expenses
were down due to the general decrease in the level of business activities as a result of the COVID-19 pandemic, including travel and entertainment
and marketing and business development expenses. The increase in data processing and communications expenses was due to the second quarter
2020 Steuben acquisition and the Company&rsquo;s implementation of new customer-facing digital technologies and back office systems during
2020. The increase in occupancy costs was driven by the Steuben acquisition.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In comparison, the Company recorded $95.0 million of total operating
expenses in the linked fourth quarter of 2020. The $1.8 million, or 1.8%, decrease in total operating expenses between the first quarter
of 2021 and the linked fourth quarter of 2020 was attributable to a $0.5 million, or 0.9%, decrease in salaries and employee benefits,
a $1.9 million, or 18.1%, decrease in other expenses, a $0.2 million, or 4.9%, decrease in the amortization of intangible assets and a
$0.4 million decrease in acquisition-related expenses. The decreases in these expenses were partially offset a $1.2 million, or 11.8%,
increase in occupancy expense due primarily to seasonal factors.</P>

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

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The effective tax rate for the first quarter of 2021 was 18.6%, down
from 18.8% in the first quarter of 2020. The Company had a higher level of benefit related to stock-based compensation activity in the
first quarter of 2021 as compared to the first quarter of 2020, which drove down the effective tax rate. Exclusive of stock-based compensation
tax benefits, the Company&rsquo;s effective tax rate was 21.4% in the first quarter of 2021.</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">The Company also provides supplemental reporting of its results on
an &ldquo;operating,&rdquo; &ldquo;adjusted&rdquo; or &ldquo;tangible&rdquo; basis, from which it excludes the after-tax effect of amortization
of core deposit and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances, net
of applicable deferred tax amounts), accretion on non-impaired purchased loans, expenses associated with acquisitions, acquisition-related
provision for credit losses, litigation accrual expenses, the unrealized gain (loss) on equity securities and gain on debt extinguishment.
In addition, the Company provides supplemental reporting for &ldquo;adjusted pre-tax, pre-provision net revenues,&rdquo; which subtracts
the provision for credit losses, acquisition expenses, litigation accrual expenses, unrealized gain (loss) on equity securities and gain
on debt extinguishment from income before income taxes. 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 $1.00 in the first
quarter of 2021, as compared to $0.80 in the first quarter of 2020 and $0.89 in the linked fourth quarter of 2020. Adjusted pre-tax, pre-provision
net revenue per share was $1.09 in the first quarter of 2021, as compared to $1.05 in the first quarter of 2020 and $1.03 in the linked
fourth quarter of 2020.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company&rsquo;s
total assets increased to $14.62 billion at March&nbsp;31, 2021, which represents a $2.81 billion, or 23.8% increase from one year ago
and a $689.1 million, or 4.9%, increase over the prior quarter end. The substantial increase in the Company&rsquo;s total assets during
the prior twelve-month period was primarily due to large inflows of government stimulus-related deposit funding and the Steuben acquisition
in the second quarter of 2020. </FONT>Similarly, average earning assets increased substantially over the prior twelve-month period, from
$10.04 billion in the first quarter of 2020 to $12.69 billion in the first quarter of 2021, a $2.65 billion, or 26.4% increase. This included
a $482.1 million, or 7.0%, increase in average total loans outstanding, a $620.7 billion, or 20.4%, increase in average book value of
investment securities and a $1.55 billion increase in average cash equivalent balances. Average deposit balances increased $2.50 billion,
or 27.6%, between the first quarter of 2020 and the first quarter of 2021.</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, average earning assets increased $377.6
million, or 3.1%, due to continued net inflows of deposits. The average book value of investment securities decreased $118.3 million,
or 3.1%, due to the maturity of $666.1 million of investment securities during the fourth quarter, a significant portion of which occurred
late in the quarter, offset, in part, by investment security purchases during the first quarter of 2021 totaling $546.8 million. Average
cash equivalents increased $587.5 million, or 54.4%, due to the continued growth of deposit liabilities during the quarter, a decrease
in loans outstanding and investment maturities in late fourth quarter of 2020, offset, in part, by the aforementioned purchase of investment
securities during the current quarter. Average loan balances decreased $91.7 million, or 1.2%, due primarily to PPP forgiveness and seasonal
factors. Average deposit balances increased $343.2 million, or 3.1%, on a linked quarter basis driven by continued inflows of government
stimulus funds and seasonal fluctuations related to the timing of tax inflows to the Company&rsquo;s municipal depositors.</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 March&nbsp;31, 2021 were $7.37 billion, $47.6 million,
or 0.6%, lower than the linked fourth quarter ending loans of $7.42 billion, but up $502.2 million, or 7.3% from one year prior. The growth
in ending loans year-over-year was driven by the acquisition of $339.7 million of Steuben loans in the second quarter of 2020 and the
$399.2 million net increase in PPP loans between the periods. The decrease in loans outstanding on a linked quarter basis was driven by
a $48.3 million decrease in business lending, due to a decline in PPP loans, a $10.2 million decrease in direct consumer loan balances
and a $4.4 million decrease in home equity loans outstanding, offset, in part, by a $7.4 million increase in indirect consumer loans and
a $7.9 million increase in residential mortgage loans 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">The Company participated in both rounds of the 2020 Coronavirus Aid,
Relief, and Security Act&rsquo;s (&ldquo;CARES Act&rdquo;) PPP, a specialized low-interest loan program funded by the U.S. Treasury Department
and administered by the U.S. Small Business Administration (&ldquo;SBA&rdquo;), now known as first draw loans. In addition, the Company
participated in the 2021 Consolidated Appropriations Act&rsquo;s (&ldquo;CAA&rdquo;) PPP loan program, now known as second draw loans.
As of March&nbsp;31, 2021, the Company&rsquo;s business lending portfolio included 874 first draw PPP loans with a total balance of $219.4
million and 1,819 second draw PPP loans with a total balance of $191.5 million. This compares to 3,417 first draw PPP loans with a total
balance of $470.7 million at the end of the fourth quarter of 2020. Under the PPP, the SBA may forgive all or a portion of the loan amount
if the borrower meets certain conditions. The Company expects to recognize the majority of its remaining first draw net deferred PPP fees
totaling $3.4 million through interest income during the second quarter 2021 and the majority of its second draw net deferred PPP fees
totaling $8.3 million in the third and fourth quarters of 2021.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Company&rsquo;s
liquidity position remains strong. </FONT>The Company&rsquo;s banking subsidiary, Community Bank, N.A. (the &ldquo;Bank&rdquo;), maintains
a funding base largely comprised of core noninterest-bearing demand deposit accounts and low cost interest-bearing interest checking,
savings and money market deposit accounts with customers that operate, reside or work within its branch footprint. At March&nbsp;31, 2021,
the Company&rsquo;s readily available sources of liquidity totaled $5.67 billion, including cash and cash equivalents balances, net of
float, of $2.09 billion. The Company also maintains an available-for-sale investment securities portfolio, comprised primarily of highly-liquid
U.S. Treasury securities, highly-rated municipal securities and U.S. agency mortgage-backed securities, which totaled $3.77 billion at
March&nbsp;31, 2021, $1.68 billion of which was unpledged as collateral. The Bank&rsquo;s unused borrowing capacity at the Federal Home
Loan Bank of New York at March&nbsp;31, 2021 was $1.66 billion and it maintained $247.9 million of funding availability at the Federal
Reserve Bank&rsquo;s discount window.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">Although there
remains some uncertainty around the duration of the economic impact of the COVID-19 pandemic, the Company&rsquo;s management believes
that its financial position will allow it to successfully endure any remaining negative economic impacts of the crisis. The Company&rsquo;s
capital planning and management activities, coupled with its historically strong earnings performance, diversified streams of revenue
and prudent dividend practices, have allowed it to build and maintain strong capital reserves. </FONT>Shareholders&rsquo; equity of $1.97
billion at March&nbsp;31, 2021 was $5.2 million, or 0.3%, lower than one year prior and $132.7 million, or 6.3%, lower than the end of
the linked fourth quarter. The decrease in shareholders&rsquo; equity during the first quarter was primarily driven by a $172.0 million
decrease in accumulated other comprehensive income/loss due primarily to a decrease in the market value adjustment on the Company&rsquo;s
available-for-sale investment securities portfolio as market interest rates increased between the periods, offset, in part, by a $30.3
million increase in retained earnings.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the first quarter, the Company redeemed $75.0 million of floating
rate junior subordinated debt and $2.3 million of associated capital securities, which was initially issued by the Company&rsquo;s wholly-owned
unconsolidated trust entity Community Capital Trust IV (&ldquo;CCT IV&rdquo;) in 2006. The interest rate on the floating rate junior subordinated
debt was reset quarterly at three month LIBOR plus 1.65%.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">At March&nbsp;31,
2021, all of the Company&rsquo;s regulatory capital ratios significantly exceeded well-capitalized standards. More specifically, the Company&rsquo;s
tier 1 leverage ratio, a common measure to evaluate a financial institutions capital strength, was 9.63% at March&nbsp;31, 2021, which
represents almost two times the regulatory well-capitalized standard of 5.0%. </FONT>The Company&rsquo;s net tangible equity to net tangible
assets ratio was 8.48% at March&nbsp;31, 2021, down from 10.78% a year earlier and 9.92% from the end of the fourth quarter of 2020. The
decrease in the net tangible equity to net tangible assets ratio from one year prior was driven by the stimulus-aided asset growth as
noted previously, the decrease in accumulated other comprehensive income and an increase in intangible assets.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As previously announced, the Company&rsquo;s Board of Directors approved
in December&nbsp;2020 a stock repurchase program authorizing the repurchase of up to 2.68 million shares of the Company&rsquo;s common
stock during a twelve-month period starting January&nbsp;1, 2021. 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&nbsp;10b-18 of the Securities Exchange Act of 1934 and other applicable regulatory and legal requirements.
There were no shares repurchased pursuant to the 2021 stock repurchase program in the first quarter of 2021.</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>Allowance for Credit Losses and 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">At March&nbsp;31, 2021, the Company&rsquo;s Allowance for Credit Losses
totaled $55.1 million, or 0.75% of total loans outstanding. This compares to $60.9 million, or 0.82%, at the end of the linked fourth
quarter of 2020 and $55.7 million, or 0.81%, at March&nbsp;31, 2020. Reflective of an improving economic outlook, low levels of net charge-offs
and a decrease in delinquent loans, the Company recorded a $5.7 million net benefit in the provision for credit losses during the first
quarter of 2021, resulting in a $5.4 million decrease in the allowance for credit losses and a $0.3 million decrease in the reserve for
unfunded commitments.</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">At March&nbsp;31, 2021, nonperforming (90 or more days past due and
non-accruing) loans were $75.5 million, or 1.02%, of total loans outstanding. This compares to $76.9 million, or 1.04%, of total loans
outstanding at the end of the fourth quarter of 2020 and $31.8 million, or 0.46%, of total loans outstanding one year earlier. The increase
in nonperforming loans over the prior year&rsquo;s first quarter was driven by the Company&rsquo;s decision to reclassify loans under
extended pandemic-related forbearance to nonperforming status. More specifically, during the fourth quarter of 2020, several commercial
borrowers, which primarily operate in the hospitality, travel and entertainment industries, requested extended loan repayment forbearance
due to the continued pandemic-related financial hardship they were experiencing. Although the Company&rsquo;s management granted these
forbearance requests, it also reclassified the majority of these loan relationships from accruing to nonaccrual status, unless the borrower
clearly demonstrated current repayment capacity or sufficient cash reserves to service their pre-forbearance payment obligations. The
allowance for credit losses at March&nbsp;31, 2021 included $3.6 million of specific reserves for nonperforming loans. The Company may
continue to receive similar requests during the remainder of 2021 and will continue to work with its borrowers to establish fair and reasonable
forbearance agreements in light of each borrower&rsquo;s specific circumstances, with an objective to minimize potential ultimate losses
to the Company.</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">Total delinquent loans, which includes nonperforming loans and loans
30 or more days delinquent, to total loans outstanding were 1.29% at the end of the first quarter of 2021. This compares to 1.11% at the
end of the first quarter of 2020 and 1.50% at the end of the fourth quarter of 2020. Loans 30 to 89 days delinquent (categorized by the
Company as delinquent but performing) were 0.27% of total loans outstanding at March&nbsp;31, 2021, down from 0.47% at the end of the
linked quarter fourth quarter and 0.64% one year earlier. The Company recorded net charge-offs of $0.4 million, or 0.02% of average loans
annualized, in the first quarter of 2021. This compares to net charge-offs of $1.6 million, or 0.09% annualized, in the first quarter
of 2020 and $1.3 million, or 0.07%, in the linked fourth quarter of 2020. The Company believes the decrease in 30 to 89 day delinquent
loans and the very low amount of net charge-offs recorded in the first quarter was supported by the extraordinary Federal and State Government
financial assistance provided to consumers throughout the pandemic.</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">From a credit risk and lending perspective, the Company continues to
take actions to assess and monitor its COVID-19 related credit exposures. No specific credit impairment has been identified within the
Company&rsquo;s investment securities portfolio, including the Company&rsquo;s municipal securities portfolio, since the onset of the
pandemic. With respect to the Company&rsquo;s lending activities, the Company continues to utilize a customer forbearance program to assist
borrowers that may be experiencing financial hardship due to COVID-19 related challenges, but such requests diminished significantly in
the first quarter of 2021. As of March&nbsp;31, 2021, the Company had 47 borrowers in forbearance due to COVID-19 related financial hardship,
representing $75.6 million in outstanding loan balances, or 1.0% of total loans outstanding. This compares to 74 borrowers and $66.5 million
in loans outstanding in forbearance at December&nbsp;31, 2020.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">During the
first quarter of 2021, the Company declared a quarterly cash dividend of $0.42 per share on its common stock, up 2.4% from the $0.41 dividend
declared in the first quarter of 2020, representing an annualized yield of </FONT>2.14% based upon the $78.57 closing price of the Company&rsquo;s
stock on April&nbsp;23, 2021. The one cent increase declared in the third quarter of 2020 marked the 28<SUP>th</SUP> consecutive year
of dividend increases for the Company.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Company management
will conduct an investor call at 11:00 a.m.&nbsp;(ET) today, April&nbsp;26, 2021, to discuss first quarter 2021 results. The conference
call can be accessed at 877-317-6789 (1-412-317-6789 if outside United States and Canada). Investors may also listen live via the Internet
at: </FONT>https://www.webcaster4.com/Webcast/Page/995/40485.</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"><FONT STYLE="font-family: Times New Roman, Times, Serif">This earnings
release, including supporting financial tables and presentation slides, is available within the press releases section of the Company's
investor relations website at: </FONT><FONT STYLE="color: Black"><U>https://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"><B>About Us</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">Community Bank System,&nbsp;Inc. operates more than 225 customer
facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary,
Community Bank, N.A. With assets of over <FONT STYLE="font-family: Times New Roman, Times, Serif">$14.6 billion, the DeWitt, N.Y.
headquartered company is among the country&rsquo;s 125 largest banking 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,&nbsp;Inc. operating units. The Company's Benefit Plans
Administrative Services,&nbsp;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,&nbsp;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><FONT STYLE="color: Black">www.cbna.com or https://ir.communitybanksystem.com</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; text-align: center"><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: 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"><I>This press release contains forward-looking statements within
the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and
expectations of CBU&rsquo;s management and are subject to significant risks and uncertainties. Actual results may differ from those
set forth in the forward-looking statements. The following factors, among others, could cause the actual results of CBU&rsquo;s
operations to differ materially from its expectations: the macroeconomic and other challenges and uncertainties related to the
COVID-19 pandemic, including the negative impacts and disruptions on public health, corporate and consumer customers, the
communities CBU serves, and the domestic and global economy, including various actions taken in response by governments, central
banks and others, which may have an adverse effect on CBU&rsquo;s business; current and future economic and market conditions,
including the effects of declines in housing prices, high unemployment rates, U.S. fiscal debt, budget and tax matters, geopolitical
matters, and any slowdown in global economic growth; fiscal and monetary policies of the Federal Reserve Board; the effect of
changes in the level of checking or savings account deposits on CBU&rsquo;s funding costs and net interest margin; future provisions
for credit losses on loans and debt securities; changes in nonperforming assets; the effect of a fall in stock market prices on
CBU&rsquo;s fee income businesses, including its employee benefit services, wealth management, and insurance businesses; the
successful integration of operations of its acquisitions; competition; changes in legislation or regulatory requirements; and the
timing for receiving regulatory approvals and completing pending transactions. For more information about factors that could cause
actual results to differ materially from CBU&rsquo;s expectations, refer to its reports filed with the Securities and Exchange
Commission (&ldquo;SEC&rdquo;), including the discussion under &ldquo;Risk Factors&rdquo; as filed with the SEC and available on
CBU&rsquo;s website at https://ir.communitybanksystem.com and on the SEC&rsquo;s website at www.sec.gov. Further, any
forward-looking statement speaks only as of the date on which it is made, and CBU undertakes no obligation to update any
forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the
occurrence of unanticipated events.</I></P>

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


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

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

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

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



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 0; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan income</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$79,714</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$77,848</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$79,646</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$78,720</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$78,565</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment income</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,951</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,753</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,844</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,472</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,430</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest income</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,665</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,601</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,490</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,192</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">96,995</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,711</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,168</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,525</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,241</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,941</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,954</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,433</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">92,965</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">91,951</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">90,054</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(140)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,201</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(5,719)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(2,961)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,945</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,573</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,594</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income after provision for credit losses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99,673</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">96,534</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">91,020</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">82,177</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">84,460</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit service and other banking fees</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,934</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,827</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,184</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,934</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,178</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage banking</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">688</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(898)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,908</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,375</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">916</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Wealth management and insurance services</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,352</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,090</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,420</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,549</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,192</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee benefit services</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,533</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,736</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25,159</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24,068</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25,366</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized gain (loss) on equity securities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(12)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(30)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain on debt extinguishment</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">421</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total noninterest revenues</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,531</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57,200</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59,659</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,938</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,622</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Salaries and employee benefits</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57,632</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,132</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57,280</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,721</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,251</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data processing and communications</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,391</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,413</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,096</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,833</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,413</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Occupancy and equipment</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,300</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,105</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,134</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,754</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,739</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangible assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,351</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,525</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,581</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,524</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,667</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation accrual</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,950</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">396</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">796</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,372</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">369</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,545</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,431</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,129</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,699</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,224</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total operating expenses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,246</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">95,002</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">96,966</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">90,903</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,663</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income before income taxes</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,958</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,732</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,713</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,212</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,419</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income taxes</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,108</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,247</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,904</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,964</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,285</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,850</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,485</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,809</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$35,248</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$40,134</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic earnings per share</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.98</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.67 </FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted earnings per share</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.79</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.66</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.76</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Profitability</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.51%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.33%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.26%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.12%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.41%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on equity</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.37%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.82%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.13%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.05%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.49%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on tangible equity<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.93%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.29%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.22%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.60%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.52%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest revenues/operating revenues (FTE)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38.4%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37.9%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39.2%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36.6%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39.6%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency ratio</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.0%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.8%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.9%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.1%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.4%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Components of Net Interest Margin (FTE)</B></FONT></TD>
    <TD STYLE="border: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan yield</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.40%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.17%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.23%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.40%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.61%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash equivalents yield</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment yield</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.02%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.13%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.31%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.50%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.51%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earning asset yield</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.15%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.18%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.28%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.56%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.93%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposit rate</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.16%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.17%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.19%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.23%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.34%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowing rate</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.71%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.19%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.36%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.70%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost of all interest-bearing funds</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.18%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.20%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.23%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.28%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.40%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost of funds (includes DDA)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.13%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.14%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.16%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.20%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.30%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest margin (FTE)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.03%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.05%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.12%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.37%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.65%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fully tax-equivalent adjustment</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$903</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$929</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$963</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,015</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,032</FONT></TD></TR>
  </TABLE>

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

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

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

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

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



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


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 0; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Average Balances</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,358,848</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,450,513</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,508,895</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,219,462</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$6,876,771</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash equivalents</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,666,715</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,079,236</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,300,981</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">822,992</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">114,660</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxable investment securities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,239,019</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,340,544</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,686,120</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,608,495</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,586,646</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nontaxable investment securities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">427,687</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">444,417</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">461,963</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">454,511</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">459,340</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-earning assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,692,269</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,314,710</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,957,959</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,105,460</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,037,417</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,157,685</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,884,979</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,543,460</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,652,200</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,487,384</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposits</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,061,489</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,853,764</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,621,206</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,146,301</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,598,131</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">344,810</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">359,102</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">291,241</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">315,934</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">329,355</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-bearing liabilities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,406,299</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,212,866</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,912,447</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,462,235</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,927,486</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest-bearing deposits</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,491,581</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,356,156</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,312,841</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,964,717</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,458,529</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,066,792</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,097,766</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,095,211</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,009,996</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,902,169</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance Sheet Data</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and cash equivalents</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,151,347</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,645,805</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,836,521</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,319,880</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$529,336</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,836,497</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,595,347</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,270,063</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,337,459</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,185,381</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans:</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business lending</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,391,786</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,440,077</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,433,565</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,455,343</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,789,130</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer mortgage</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,409,373</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,401,499</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,410,249</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,428,060</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,424,656</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer indirect</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,029,335</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,021,885</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,039,925</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,056,865</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,087,879</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home equity</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">395,408</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">399,834</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">413,265</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">418,543</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">386,583</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer direct</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,425</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">152,657</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">161,639</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">169,228</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">177,844</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total loans</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,368,327</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,415,952</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,458,643</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,528,039</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,866,092</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,069</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60,869</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,962</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,437</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,652</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible assets, net</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">843,045</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">846,648</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">850,214</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">852,761</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">832,919</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">476,034</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">488,211</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">494,846</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">470,515</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">450,907</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,620,181</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,931,094</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,845,325</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,444,217</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,808,983</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits:</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest-bearing</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,710,292</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,361,768</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,326,517</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,273,921</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,491,720</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-maturity interest-bearing</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,532,578</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,929,435</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,830,893</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,600,140</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,899,297</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">961,367</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">933,771</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">963,180</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">972,612</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">912,965</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total deposits</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,204,237</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,224,974</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,120,590</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,846,673</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,303,982</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">263,726</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">290,666</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">288,448</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">176,195</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">208,718</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subordinated notes payable</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,297</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,303</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,735</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,755</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,775</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subordinated debt held by unconsolidated subsidiary trusts</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,320</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,320</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,382</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,320</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued interest and other liabilities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">177,524</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">230,724</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">246,572</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">246,897</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">228,557</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,648,784</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,826,987</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,746,665</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,362,902</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,832,352</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,971,397</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,104,107</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,098,660</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,081,315</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,976,631</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities and shareholders' equity</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,620,181</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,931,094</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,845,325</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,444,217</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,808,983</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Capital</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 leverage ratio</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.63%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.16%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.21%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.79%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.10%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible equity/net tangible assets<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.48%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.92%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.92%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.08%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.78%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted weighted average common shares O/S</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,417</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,194</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,159</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,017</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,646</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Period end common shares outstanding</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,875</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,593</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,538</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,514</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,031</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash dividends declared per common share</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.42</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.42</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.42</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.41</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.41</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Book value</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$36.59</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$39.26</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$39.20</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$38.89</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$37.99</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible book value<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$21.76</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$24.29</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$24.15</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$23.80</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$22.84</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock price (end of period)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$76.72</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$62.31</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54.46</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$57.02</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$58.80</FONT></TD></TR>
  </TABLE>

<P STYLE="margin: 0">&nbsp;&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-top: 0pt; margin-bottom: 0pt"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>(Dollars in thousands, except per share data)</B></FONT> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</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="border-right: Black 1pt solid; padding: 0; white-space: nowrap; vertical-align: bottom; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 50%; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Asset Quality</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonaccrual loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$73,310</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$72,929</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$28,756</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$20,697</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$19,046</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accruing loans 90+ days delinquent</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,152</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,922</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,487</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,063</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,736</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total nonperforming loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75,462</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76,851</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,243</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,760</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31,782</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned (OREO)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">824</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">883</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,209</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,186</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,469</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
nonperforming assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76,286</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,734</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,452</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,946</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,251</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net charge-offs</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">381</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,258</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,257</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">910</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,550</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses/loans outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.75%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.82%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming loans/loans outstanding</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.02%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.04%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.43%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.36%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.46%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses/nonperforming loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">73%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">79%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">201%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">241%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">175%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net charge-offs/average loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.02%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.05%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delinquent loans/ending loans</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.29%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.50%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.79%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.72%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.11%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses/net charge-offs</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,503)%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(246)%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">155%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,074%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">361%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming assets/total assets</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.52%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.56%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.24%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.22%</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.28%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data</B></FONT></TD>
    <TD STYLE="padding: 0; text-indent: 0; white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-left: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pre-tax, pre-provision net revenue</B></FONT></TD>
    <TD STYLE="padding: 0; text-indent: 0; white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-left: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B></B>Net income (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,850</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,485</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,809</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$35,248</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$40,134</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income
taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,108</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,247</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,904</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,964</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,285</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income
before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,958</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,732</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,713</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,212</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,419</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision
for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(5,719)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,101)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,945</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,774</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,594</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-tax,
pre-provision net revenue (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59,239</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,631</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,658</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,986</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,013</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">396</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">796</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,372</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">369</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
(gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(24)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(24)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;12</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(12)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation
accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,950</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain
on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(421)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
pre-tax, pre-provision net revenue (non-GAAP)</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$59,242</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$55,582</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$59,416</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$57,346</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$55,412</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pre-tax, pre-provision net revenue per share</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right">&nbsp;</TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted
earnings per share (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.79</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.66</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.76</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income
taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.22</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.22</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.20</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.17</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.18</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income
before income taxes</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.19</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.08</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.99</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.83</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.94</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision
for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.10)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.04)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.04</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.19</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-tax,
pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.09</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.04</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.03</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.02</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.04</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.02</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
(gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation
accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.05</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain
on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-indent: 0; white-space: nowrap; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="text-indent: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
pre-tax, pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.09</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.03</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.10</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.08</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.05</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  </TABLE>

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

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

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



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 0; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net income</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
income (GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,850</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,485</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,809</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$35,248</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$40,134</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
expenses</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">396</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">796</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,372</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">369</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of acquisition expenses</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(83)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(162)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(684)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(69)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,872</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,798</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,443</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,936</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,434</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related
provision for credit losses</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(140)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,201</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(649)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,872</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,687</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,443</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,488</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,434</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
(gain) loss on equity securities</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(24)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(24)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(6)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,852</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,668</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,453</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,478</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,458</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation
accrual</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,950</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of litigation accrual</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(599)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,852</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,668</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,804</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,478</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,458</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain
on debt extinguishment</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(421)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">88</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.375in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating
net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,852</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,335</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,804</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,478</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,458</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
of intangibles</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,351</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,525</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,581</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,524</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,667</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of amortization of intangibles</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(625)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(735)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(727)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(714)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(689)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,578</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,125</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,658</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,288</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,436</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired
non-impaired loan accretion </FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,102)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,335)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,326)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,365)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,465)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of acquired non-impaired loan accretion</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">205</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">278</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">269</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">277</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">275</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 2.5pt 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 0; padding-right: 0; border-bottom: Black 2.5pt double; padding-left: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,681</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 0; padding-right: 0; padding-left: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,068</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 0; padding-right: 0; padding-left: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,601</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-top: 0; padding-right: 0; padding-left: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,200</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 0; padding-right: 0; border-bottom: Black 2.5pt double; padding-left: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,246</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average assets</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,681</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,068</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,601</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,200</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,246</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
total assets</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,157,685</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,884,979</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,543,460</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,652,200</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,487,384</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
return on average assets (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.57%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.38%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.40%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.34%</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.48%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average equity</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,681</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,068</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,601</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,200</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$42,246</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
total equity</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,066,792</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,097,766</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,095,211</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,009,996</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,902,169</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
return on average equity (non-GAAP)</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.73%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.12%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.04%</FONT></TD>
    <TD STYLE="padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.44%</FONT></TD>
    <TD STYLE="padding: 0; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.93%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  </TABLE>

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

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

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

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

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



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; padding: 0; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data (continued)</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Earnings
per common share</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted earnings per share (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.79</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.66</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.76</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
expenses </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.02</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of acquisition expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.71</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related
provision for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.76</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
(gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.76</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation
accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.05</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of litigation accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.76</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain
on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating
diluted earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.76</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
of intangibles </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
effect of amortization of intangibles</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subtotal
(non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.02</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.91</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.91</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.82</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.83</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired
non-impaired loan accretion </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.03)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.03)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.03)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.03)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0">T<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ax
effect of acquired non-impaired loan accretion</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted
adjusted net earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.00</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.89</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.88</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Noninterest
operating expenses</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest
expenses (GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$93,246</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$95,002</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$96,966</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$90,903</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$93,663</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
of intangibles</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,351)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,525)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,581)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,524)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,667)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
expenses</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(27)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(396)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(796)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,372)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(369)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation accrual</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,950)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
adjusted noninterest expenses (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,868</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$91,081</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,639</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$84,007</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,627</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Efficiency ratio </B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjusted
noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,868</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$91,081</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,639</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$84,007</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$89,627</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax-equivalent
net interest income</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">94,857</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">94,362</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,928</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">92,966</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">91,086</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest
revenues</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,531</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57,200</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59,659</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,938</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,622</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquired
non-impaired loan accretion</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,102)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,335)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,326)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,365)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,465)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
(gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(24)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(24)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gain
on debt extinguishment</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(421)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating
revenues (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">152,262</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">149,782</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">152,273</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">144,527</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">148,273</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.375in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency
ratio (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.0%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.8%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.9%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.4%</FONT></TD></TR>
  </TABLE>

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

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



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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 0; white-space: nowrap; vertical-align: bottom; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD>
    <TD COLSPAN="4" STYLE="padding: 0; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2020</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; width: 50%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>3rd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarterly GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance sheet data</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total assets</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
assets (GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,620,181</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$13,931,094</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$13,845,325</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$13,444,217</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$11,808,983</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible
assets</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(843,045)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(846,648)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(850,214)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(852,761)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(832,919)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred
taxes on intangible assets</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,105</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,370</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,733</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,094</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,494</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,821,241</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,128,816</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,039,844</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,636,550</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,020,558</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total common equity</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders'
equity (GAAP)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,971,397</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,104,107</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,098,660</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,081,315</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,976,631</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intangible
assets</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(843,045)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(846,648)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(850,214)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(852,761)</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(832,919)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred
taxes on intangible assets</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,105</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,370</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,733</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,094</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,494</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,172,457</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,301,829</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,293,179</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,273,648</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,188,206</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net tangible equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,172,457</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,301,829</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,293,179</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,273,648</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,188,206</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding: 0 0 0 0.125in; white-space: nowrap; border-left: Black 1pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,821,241</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,128,816</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,039,844</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,636,550</FONT></TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,020,558</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 0 0 0 0.25in; white-space: nowrap; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
tangible equity-to-assets ratio at quarter end (non-GAAP)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.48%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.92%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.92%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding: 0; white-space: nowrap; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.08%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding: 0; white-space: nowrap; border-bottom: Black 2.5pt double; text-align: right; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.78%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: right; text-indent: 0">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="6" STYLE="padding: 0; white-space: nowrap; text-indent: 0">&nbsp;</TD></TR>
  </TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><I><SUP>(1)</SUP></I></FONT><I>&nbsp;Excludes unrealized gain and loss on equity securities and gain on debt extinguishment.</I></P>

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

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

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


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

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

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

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

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

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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cbu-20210426.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
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    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
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	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
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    <import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" />
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    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2020-01-31" schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd" />
    <import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd" />
    <import namespace="http://fasb.org/srt-types/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd" />
</schema>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>cbu-20210426_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.7a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
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    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20210426_pre.xml
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<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
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    <link:schemaRef xlink:href="cbu-20210426.xsd" xlink:type="simple"/>
    <context id="From2021-04-26to2021-04-26">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000723188</identifier>
        </entity>
        <period>
            <startDate>2021-04-26</startDate>
            <endDate>2021-04-26</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
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    <unit id="Shares">
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    <dei:EntityRegistrantName contextRef="From2021-04-26to2021-04-26">COMMUNITY BANK SYSTEM, INC.</dei:EntityRegistrantName>
    <dei:DocumentType contextRef="From2021-04-26to2021-04-26">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2021-04-26to2021-04-26">2021-04-26</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="From2021-04-26to2021-04-26">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2021-04-26to2021-04-26">001-13695</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2021-04-26to2021-04-26">16-1213679</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2021-04-26to2021-04-26">5790 Widewaters Parkway</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="From2021-04-26to2021-04-26">DeWitt</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2021-04-26to2021-04-26">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2021-04-26to2021-04-26">13214</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2021-04-26to2021-04-26">315</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2021-04-26to2021-04-26">445-2282</dei:LocalPhoneNumber>
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    <dei:SecurityExchangeName contextRef="From2021-04-26to2021-04-26">NYSE</dei:SecurityExchangeName>
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<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.21.1</span><table class="report" border="0" cellspacing="2" id="idm140715068364568">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 26, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 26,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13695<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">COMMUNITY BANK SYSTEM, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000723188<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-1213679<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">5790 Widewaters Parkway<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">DeWitt<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">13214<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">445-2282<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $1.00 par value per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CBU<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
