<SEC-DOCUMENT>0001104659-23-006029.txt : 20230124
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<ACCEPTANCE-DATETIME>20230124092904
ACCESSION NUMBER:		0001104659-23-006029
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20230124
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20230124
DATE AS OF CHANGE:		20230124

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:		23546095

	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;&#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">&#160;</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_903_edei--DocumentType_c20230124__20230124_zsnRhEpOC1Ge"><ix:nonNumeric contextRef="From2023-01-24to2023-01-24" 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_907_edei--DocumentPeriodEndDate_c20230124__20230124_zWTQAvAGtlub"><ix:nonNumeric contextRef="From2023-01-24to2023-01-24" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">January 24, 2023</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; color: red; text-align: center"><img src="tm234252d1_8kimg001.jpg" alt="" /></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: red; text-align: center"></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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    <td style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">(IRS Employer Identification <span style="font: 10pt Times New Roman, Times, Serif"> No.)</span></span></td></tr>
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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_907_edei--CityAreaCode_c20230124__20230124_zBm7Tvxsbwq4"><ix:nonNumeric contextRef="From2023-01-24to2023-01-24" 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">(Former name or former
address, if changed since last report)</p>

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

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

<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">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="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_90A_edei--SolicitingMaterial_c20230124__20230124_zC5sl6aPNZO6"><ix:nonNumeric contextRef="From2023-01-24to2023-01-24" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#168;</ix:nonNumeric></span></span></td>
    <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">
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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-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<br />
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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: justify">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>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 310.5pt; text-align: right">Emerging growth company <span style="font-family: Wingdings"><span id="xdx_909_edei--EntityEmergingGrowthCompany_c20230124__20230124_z9HJSHSFH5Jf"><ix:nonNumeric contextRef="From2023-01-24to2023-01-24" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></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: justify">If an emerging growth company, indicate by check
mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting
standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <span style="font-family: Wingdings">&#168;</span></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"></p>

<!-- Field: Page; Sequence: 1 -->
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="color: #0070c0">&#160;</span></p>


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<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;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On January&#160;24, 2023, Community Bank System,&#160;Inc.
announced its results of operations for the quarter ended December&#160;31, 2022. The public announcement was made by means of a news
release, the text of which is furnished as 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>

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<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>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><b>(d)&#160;&#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="tm234252d1_ex99-1.htm">99.1</a></td><td><a href="tm234252d1_ex99-1.htm">Press Release, dated January&#160;24, 2023, 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>

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<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"></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>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>

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

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    <td><span style="font-size: 10pt">&#160;</span></td>
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    <td colspan="3" style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">&#160;</span></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 5%"><span style="font-size: 10pt">By:</span></td>
    <td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 30%">/s/ Joseph E. Sutaris</td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 15%">&#160;</td></tr>
  <tr style="vertical-align: bottom">
    <td><span style="font-size: 10pt">&#160;</span></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><span style="font-size: 10pt">Name:</span></td>
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  <tr style="vertical-align: bottom">
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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">Dated: January&#160;24, 2023</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;</p>

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<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 style="font-size: 10pt">&#160;</td>
<td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
<td><a href="tm234252d1_ex99-1.htm" style="-sec-extract: exhibit">99.1 &#160;</a></td>
<td style="font-size: 10pt"><a href="tm234252d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press Release, dated January&#160;24, 2023, issued by Community Bank System,&#160;Inc.</span></a></td></tr>
<tr style="vertical-align: top">
<td style="font-size: 10pt">&#160;</td>
<td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
<td style="font-size: 10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104</span></td>
<td style="font-size: 10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cover Page&#160;Interactive Data File (embedded in the cover page&#160;formatted in Inline XBRL)</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"></p>

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<P STYLE="text-align: right; margin: 0"><B>Exhibit 99.1</B></P>

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

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    <TD STYLE="text-align: left; 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="tm234252d1_ex99-1img001.jpg" ALT=""></FONT></TD>
    <TD STYLE="text-align: center; width: 47%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom">
    <P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B><U>News Release</U></B></P>
    <P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">For further information, please contact:</P></TD></TR>
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    <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>
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    <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>
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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; 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,&nbsp;Inc. Reports</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-variant: small-caps"><B>Fourth
Quarter And Full Year 2022 Results</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SYRACUSE, N.Y. &mdash; January&nbsp;24, 2023 &mdash; Community Bank
System,&nbsp;Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported fourth quarter 2022 net income of $52.5 million, or $0.97 per fully-diluted
share. This compares to $43.6 million of net income, or $0.80 per fully-diluted share for the fourth quarter of 2021. The $0.17, or 21.3%,
increase in earnings per share was primarily attributable to an increase in net interest income and a decrease in fully-diluted average
shares outstanding, offset, in part, by higher operating expenses, lower noninterest revenues and increases in the provision for credit
losses and income taxes. The increase in net interest income was due primarily to an increase in the yield on earning assets and a significant
increase in average loan balances, offset, in part, by higher funding costs. The decrease in noninterest revenues was due to lower financial
services noninterest revenues that were reflective of the impact that lower financial market valuations had on the Company&rsquo;s wealth
management and employee benefit services businesses, which were partially offset by higher 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">Operating earnings per fully-diluted share, a non-GAAP measure, which
excludes acquisition expenses, acquisition-related provision for credit losses, acquisition-related contingent consideration adjustments,
unrealized gain (loss) on equity securities and litigation accrual, net of tax, was $0.96 for the fourth quarter of 2022, as compared
to $0.81 for the fourth quarter of 2021. Comparatively, fully-diluted GAAP and non-GAAP operating earnings per share were both $0.90 for
the linked third quarter of 2022. The improvements in GAAP and non-GAAP operating earnings per share on a linked quarter basis were driven
by an increase in net interest income, a decrease in the provision for credit losses and lower operating expenses, partially offset by
a decrease in noninterest revenues and higher income taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">A</FONT>djusted
pre-tax, pre-provision net revenue per share, a non-GAAP measure, which excludes income taxes, the provision for credit losses, acquisition-related
provision for credit losses, acquisition expenses, acquisition-related contingent consideration adjustments, unrealized gain (loss) on
equity securities and litigation accrual from net income, was up $0.20, or 18.3%, from $1.09 in the fourth quarter of 2021 to $1.29 in
the fourth quarter of 2022. Comparatively, the Company recorded adjusted pre-tax, pre-provision net revenue per share of $1.25 in the
third quarter of 2022.</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">Full year 2022 diluted earnings per share was $3.46, a decrease of
$0.02, or 0.6%, from $3.48 in 2021. Full year 2022 diluted operating earnings per share (non-GAAP) of $3.58 were $0.09, or 2.6%, higher
than the $3.49 of operating earnings per share generated in 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 0pt 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>2022
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>GAAP EPS</TD></TR></TABLE>

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<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>$0.97 per share for the fourth quarter of 2022, compared to $0.80 per share for the fourth quarter of 2021</TD></TR></TABLE>

<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"></P>

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<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"></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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>10.85% for full year 2022, compared to 9.19% for full year 2021</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: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>Return on Tangible Equity (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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>33.73% for the fourth quarter of 2022, compared to 13.71% for the fourth quarter of 2021</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>21.18% for full year 2022, compared to 15.13% for full year 2021</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: Times New Roman, Times, Serif">&#10070;</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>0.18% for the fourth quarter of 2022, up from 0.08% for the fourth quarter of 2021</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>0.11% for full year 2022, up from 0.09% for full year 2021</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: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>Loan Net Charge-Offs</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>0.09% annualized for the fourth quarter of 2022 and fourth quarter of 2021</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>0.04% for full year 2022 and full year 2021</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: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>Loan Growth</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>$265.8 million, or 3.1%, during the fourth quarter</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>$1.44 billion, or 19.5%, for full year 2022</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>$1.08 billion, or 14.9%, for full year 2022, excluding loans acquired during the year and Paycheck Protection Program (&ldquo;PPP&rdquo;)
loans</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: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>Noninterest Revenues</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">&nbsp;</TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>$258.7 million for the full year of 2022, up from $246.2 million for the full year of 2021</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>38.1% of total revenues for full year 2022, compared to 39.7% for full year 2021</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: Times New Roman, Times, Serif">&#10070;</FONT></TD><TD>Regulatory Capital</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: Times New Roman, Times, Serif"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD>8.79% Tier 1 leverage ratio, up one basis point in the quarter and down 30 basis points in the year</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;Community Bank System,&nbsp;Inc. posted strong fourth quarter
2022 results with GAAP earnings per share of $0.97 that were up $0.17, or 21.3%, over the prior year&rsquo;s fourth quarter GAAP earnings
per share. Similarly, fourth quarter 2022 operating earnings per share (non-GAAP) of $0.96 were up $0.15, or 18.5%, over the prior year&rsquo;s
fourth quarter. In addition, adjusted pre-tax, pre-provision net revenue per share (non-GAAP) of $1.29, which was a new quarterly record
for the Company, was up $0.20, or 18.3%, over the prior year and $0.04, or 3.2%, over the linked third quarter results,&rdquo; said Mark
E. Tryniski, President and CEO. &ldquo;Total revenues were meaningfully higher than the prior year&rsquo;s fourth quarter due to the continued
improvements in net interest income driven by strong loan growth in the fourth quarter and throughout 2022. The combination of strong
organic loan growth, the Elmira Savings Bank (&ldquo;Elmira&rdquo;) acquisition in the second quarter, relatively stable deposit costs
and higher market interest rates contributing to higher yields being earned on new loan originations and existing variable rate loans
drove a $16.5 million, or 17.2%, increase in net interest income over the prior year&rsquo;s fourth quarter. The Company&rsquo;s fully
tax-equivalent net interest margin was up 28 basis points from the prior year&rsquo;s fourth quarter, but down one basis point as compared
to the linked third quarter fully tax-equivalent net interest margin of 3.03% due to higher funding costs. During the fourth quarter,
the Company&rsquo;s average total deposits decreased $154.4 million, or 1.2%, consistent with industry expectations, while average overnight
borrowings increased from $189.0 million in the linked third quarter to $504.1 million in the fourth quarter. We anticipate receiving
approximately $600 million in investment securities principal cash flows during 2023, which are expected to be used to pay down overnight
borrowings or redeployed into new loans.&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">Mr.&nbsp;Tryniski
continued, &ldquo;Although asset quality remains strong, the Company recorded $2.8 million in the provision for credit losses in the fourth
quarter due to strong loan growth and continued weakening of the economic forecast. Comparatively, the Company recorded $5.1 million in
the provision for credit losses in the linked third quarter and $2.2 million in the provision for credit losses in the fourth quarter
of 2021. The Company&rsquo;s net charge-offs were $2.1 million in the fourth quarter, or nine basis points annualized. Nonperforming loans
as a percentage of total loans of 0.38% remained consistent with the third quarter, but was 24 basis points lower than the prior year&rsquo;s
fourth quarter ratio of 0.62%. The Company remains encouraged with the near term outlook for our business in spite of a less favorable
outlook for certain components of the national economy. Regulatory capital levels remain strong and the commercial loan pipeline remains
healthy. In addition, there continues to be an ample amount of new business opportunities for our financial services businesses</FONT>.&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">The Company recorded total revenues of $175.9 million in the fourth
quarter of 2022, an increase of&nbsp;$16.2 million, or 10.2%, over the prior year&rsquo;s fourth quarter. The increase in total revenues
between the periods was driven by a $16.5 million, or 17.2%, increase in net interest income and a $2.9 million, or 18.0%, increase in
deposit service and other banking fees, offset, in part, by a $1.3 million, or 7.5%, decrease in wealth management and insurance services
revenues, a $1.4 million, or 4.5%, decrease in employee benefit services revenues and a $0.5 million decline in mortgage banking revenues.
Comparatively, total revenues were up $0.3 million, or 0.2%, from third quarter 2022 results, due to a $1.8 million, or 1.7%, increase
in net interest income, a $1.1 million, or 4.1%, increase in employee benefit services revenues and a $0.9 million, or 4.7%, increase
in deposit service and other banking fees, partially offset by a $3.1 million, or 16.7%, decrease in wealth management and insurance services
revenues and a $0.4 million decline in mortgage banking 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 $112.2 million in the fourth
quarter of 2022. This compares to $95.7 million of net interest income recorded in the fourth quarter of 2021. Between comparable periods,
the combination of growth in interest-earning assets and the expansion of the net interest margin drove a $16.5 million, or 17.2%, increase
in net interest income. The Company&rsquo;s average interest-earning assets increased $905.5 million, or 6.5%, while the tax equivalent
net interest margin increased 28 basis points from 2.74% in the fourth quarter of 2021 to 3.02% in the fourth quarter of 2022. The tax
equivalent yield on average interest-earning assets in the fourth quarter of 2022 of 3.34% was 51 basis points higher than the tax equivalent
yield on average interest-earning assets of 2.83% in the fourth quarter of 2021. Comparatively, the Company recorded net interest income
of $110.4 million during the third quarter of 2022, $1.8 million less than fourth quarter 2022 results, while the tax equivalent net interest
margin was 3.03%, or one basis point higher.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Interest income and fees on loans increased $19.3 million, or 25.0%,
from $76.9 million in the fourth quarter of 2021 to $96.2 million in the fourth quarter of 2022. Average total loans outstanding increased
$1.41 billion, or 19.3%, between the comparable quarterly periods, while the tax equivalent loan yield increased 20 basis points from
4.19% in the fourth quarter of 2021 to 4.39% in the fourth quarter of 2022, in spite of a $3.5 million decrease in PPP-related interest
income from $3.6 million in the prior year&rsquo;s fourth quarter to $0.1 million in the fourth quarter of 2022. The increase in the tax
equivalent loan yields between the periods was due to market-related increases in interest rates on new loans, a significant increase
in variable and adjustable rate loan yields driven by rising market interest rates, including the prime rate, and a high level of new
loan originations. Comparatively, the Company recorded $88.4 million of interest income and fees on loans during the third quarter of
2022, including $0.5 million of PPP-related interest income, while the average tax equivalent yield on loans was 4.22%.</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, increased
$6.0 million, or 27.5%, between the fourth quarter of 2021 and the fourth quarter of 2022. The increase in interest income on investments
was driven primarily by a change in market interest rates and the proportion of investments and interest-earning cash equivalents. Since
the end of the fourth quarter of 2021, the Company invested over $1.3 billion of cash equivalents that were earning a low yield into higher
yield investment securities, which resulted in the tax-equivalent yield on investments, including cash equivalents, rising from 1.34%
in the fourth quarter of 2021 to 1.85% in the fourth quarter of 2022. The average book value of investment securities increased $1.29
billion, or 26.5%, between the comparable periods, while the average balance of cash equivalents decreased $1.79 billion. The average
tax equivalent yield on the investment securities portfolio, excluding cash equivalents, increased seven basis points from 1.78% in the
fourth quarter of 2021 to 1.85% in the fourth quarter of 2022, while the average yield on cash equivalents increased 268 basis points
from 0.15% to 2.83%. Although the tax equivalent average yield on the investment securities portfolio increased seven basis points between
the periods, the tax equivalent average yield on investments, including cash equivalents, increased 51 basis points due to the large increase
in the average outstanding balance of investment securities with a significantly higher yield than cash equivalents had in the prior year.
Interest income on investments, including cash equivalents, increased $0.4 million, from $27.4 million in the third quarter to $27.8 million
in the fourth quarter due primarily to an increase in the tax equivalent average yield on investments between the periods.</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 expense increased from $3.0 million in the fourth quarter
of 2021 to $11.8 million in the fourth quarter of 2022, an $8.8 million increase between the periods. The increase in interest expense
was driven by a $650.5 million, or 7.1%, increase in average interest-bearing liabilities between the periods, and a 34 basis point increase
in the cost of interest-bearing liabilities, from 0.13% in the fourth quarter of 2021 to 0.47% in the fourth quarter of 2022. This included
a $5.6 million increase in interest expense on borrowings due to both a $564.6 million increase in average borrowings and an increase
in the average rate on borrowings from 0.32% in the fourth quarter of 2021 to 2.63% in the fourth quarter of 2022. Average interest-bearing
deposit balances also increased $85.9 million, or 1.0%, between the periods, and the average interest-bearing deposit cost of funds increased
14 basis points, from 0.12% in the fourth quarter of 2021 to 0.26% in the fourth quarter of 2022, driving a $3.2 million increase in interest
expense on deposits. The Company&rsquo;s average cost of funds was up 24 basis points, from 0.09% in the fourth quarter of 2021 to 0.33%
in the fourth quarter of 2022, while the average cost of total deposits remained low at 0.18% for the quarter.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the fourth quarter of 2022, the Company recorded a provision
for credit losses of $2.8 million driven by a $265.8 million increase in loans outstanding combined with a weaker economic forecast. Comparatively,
the Company recorded a provision for credit losses of $2.2 million during the fourth quarter of 2021 when economic forecasts were generally
stable and non-PPP loans outstanding increased $165.3 million during that quarter. During the third quarter of 2022, the Company recorded
a provision for credit losses of $5.1 million, due in part to a $410.9 million increase in non-PPP loans outstanding, combined with a
weaker economic forecast during that quarter. Exclusive of $3.9 million in acquisition-related provision for credit losses due to the
Elmira acquisition, the Company recorded a provision for credit losses of $10.8 million for full year 2022 as compared to an $8.8 million
net benefit in the provision for credit losses during the full year of 2021. The full year 2022 provision for credit losses was reflective
of a $1.52 billion increase in non-PPP loans outstanding, while the full year 2021 net benefit in the provision for credit losses was
reflective of the release of reserves in the first three quarters of 2021 as the economic outlook and the loan portfolio&rsquo;s asset
quality profile both steadily improved during that period.</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">Employee benefit
services revenues for the fourth quarter of 2022 were $29.0 million, down $1.4 million, or 4.5%, in comparison to the fourth quarter of
2021. The decline in revenues was driven by decreases in employee benefit trust and custodial fees, reflecting the impact from market-related
headwinds. Wealth management services revenues for the fourth quarter of 2022 were $7.4 million, down from $8.5 million in the fourth
quarter of 2021. The $1.1 million, or 13.0%, decrease in wealth management services revenues was primarily driven by more challenging
investment market conditions. The Company recorded insurance services revenues of $8.3 million in the fourth quarter of 2022</FONT>, which
represents a $0.2 million, or 1.9%, decrease versus the prior year&rsquo;s fourth quarter. Banking noninterest revenues increased $2.4
million, or 14.5%, from $16.6 million in the fourth quarter of 2021 to $19.0 million in the fourth quarter of 2022. This was driven by
a $2.9 million, or 18.0%, increase in deposit service and other banking fees that benefitted from the continued post-pandemic recovery
of economic activity, as well as incremental revenues from the Elmira acquisition, offset, in part, by a $0.5 million decrease in mortgage
banking revenues. Comparatively, the Company recorded $27.9 million of employee benefit services revenues, $7.5 million of wealth management
services revenues and $11.3 million of insurance services revenues during the third quarter of 2022, which on a combined basis were $2.0
million higher than the financial services revenues generated in the fourth quarter of 2022. Third quarter 2022 banking noninterest revenues
were $18.5 million, $0.5 million, or 2.5%, lower than fourth quarter 2022 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 $105.9 million in total operating expenses in
the fourth quarter of 2022, compared to $100.9 million of total operating expenses in the prior year&rsquo;s fourth quarter. The $4.9
million, or 4.9%, increase in operating expenses was attributable to a $3.4 million, or 31.7%, increase in other expenses, a $1.0 million,
or 1.6%, increase in salaries and employee benefits, a $0.9 million, or 8.9%, increase in occupancy and equipment expenses and a $0.7
million, or 5.9%, increase in data processing and communications expenses, partially offset by a $1.1 million decrease in acquisition-related
expenses. Other expenses were up due to the general post-pandemic increase in the level of business activities, including increases in
business development and marketing expenses, legal and professional fees, insurance and travel-related expenses, along with incremental
expenses associated with operating an expanded franchise subsequent to the Elmira acquisition. The increase in salaries and benefits expense
was driven by increases in merit-related employee wages, acquisition-related additions to staffing and higher payroll taxes, partially
offset by lower employee benefit-related expenses. The increase in occupancy and equipment expense was driven by inflationary pressures,
partially offset by branch office consolidations between the periods. The increase in data processing and communications expenses was
due to the Company&rsquo;s continued investment in customer-facing and back office digital technologies between the comparable periods.
In comparison, the Company recorded $108.2 million of total operating expenses in the third quarter of 2022. The $2.3 million, or 2.2%,
decrease in total operating expenses between the third quarter of 2022 and the fourth quarter of 2022 was largely attributable to a $2.1
million, or 3.2%, decrease in salaries and employee benefits, a $0.5 million, or 3.8%, decrease in data processing and communications
expenses and a $0.8 million decrease in acquisition-related expenses, partially offset by a $0.8 million, or 5.9%, increase in other expenses
and a $0.3 million, or 3.0%, increase in occupancy and equipment expenses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The effective tax rate for the fourth quarter of 2022 was 22.0% and
21.7% on a full-year basis, as compared to 23.0% and 21.4%, respectively, in the equivalent prior year periods. Excluding the impact of
tax benefits related to stock-based compensation activity, the effective tax rate was 22.0% on a full-year basis, down from 22.3% for
full year 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; and &ldquo;tangible&rdquo; basis, from which it excludes the after-tax effect of amortization
of core deposit and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances, net
of applicable deferred tax amounts), accretion on non-purchased credit deteriorated (&ldquo;PCD&rdquo;) loans, expenses associated with
acquisitions, acquisition-related provision for credit losses, acquisition-related contingent consideration adjustments, litigation accrual
expenses and unrealized gain (loss) on equity securities. 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, acquisition-related
contingent consideration adjustments, litigation accrual expenses and unrealized gain (loss) on equity securities 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 and analysts measure underlying core performance and improves
comparability to other organizations that have not engaged in acquisitions. Diluted adjusted net earnings per share were $1.00 in the
fourth quarter of 2022, compared to $0.85 in the fourth quarter of 2021 and $0.94 in the third quarter of 2022. Adjusted pre-tax, pre-provision
net revenue per share was $1.29 in the fourth quarter of 2022, compared to $1.09 in the fourth quarter of 2021 and $1.25 in the third
quarter of 2022.</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 were $15.84 billion at December&nbsp;31, 2022, representing a $283.0 million, or 1.8%, increase from one year prior and a
$241.1 million, or 1.5%, increase from the end of the third quarter of 2022. The increase in the Company&rsquo;s total assets during the
prior twelve-month period was primarily driven by organic loan growth and the Elmira acquisition, partially offset by a decline in the
pre-tax market value adjustment on the investment securities portfolio due to higher market interest rates. The book value of </FONT>average
interest-earning assets was up from $13.96 billion in the fourth quarter of 2021 to $14.87 billion in the fourth quarter of 2022, representing
a $905.5 million, or 6.5%, increase. This included a $1.41 billion, or 19.3%, increase in average loans outstanding and a $1.29 billion,
or 26.5%, increase in the average book value of investment securities, partially offset by a $1.79 billion decrease in average cash equivalents.
Average deposit balances increased $348.4 million, or 2.7%, between the fourth quarter of 2021 and the fourth quarter of 2022.</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, the book value of average interest-earning
assets increased $254.6 million, or 1.7%, due primarily to organic loan growth, partially offset by a decline in the book value of investment
securities. The average book value of investment securities decreased $117.1 million, or 1.9%, during the quarter, as cash flows were
used to pay down overnight borrowings, while average cash equivalents increased $0.8 million, or 3.0%, between linked quarters. Average
loan balances increased $370.9 million, or 4.5%, during the quarter reflecting continued strong organic growth. Average loan balances
for business lending, consumer indirect, consumer mortgage and home equity loans increased during the fourth quarter, while the average
balance of consumer direct loans decreased. Average deposit balances decreased $154.4 million, or 1.2%, compared to the third quarter
of 2022.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ending loans at December&nbsp;31, 2022 of $8.81 billion were $265.8
million, or 3.1%, higher than the third quarter of 2022 and $1.44 billion, or 19.5%, higher than one year prior. The increase in ending
loans year-over-year was driven by increases in all loan categories due to net organic growth and the Elmira acquisition despite an $83.8
million decrease in PPP loans. Over the past twelve months, business lending loans increased $569.8 million, or 18.5%, consumer mortgage
loans increased $456.4 million, or 17.9%, consumer indirect loans increased $349.9 million, or 29.4%, home equity loans increased $35.9
million, or 9.0%, and consumer direct loans increased $23.8 million, or 15.5%. The increase in loans outstanding on a linked quarter basis
was driven by a $151.2 million, or 4.3%, increase in business lending loans, a $78.4 million, or 5.4%, increase in consumer indirect loans,
a $37.0 million, or 1.2%, increase in consumer mortgage loans, and a $1.0 million, or 0.2%, increase in home equity loans, all of which
reflected organic growth, partially offset by a $1.8 million, or 1.0%, decrease in consumer direct loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">During the fourth quarter of 2022, the Company reclassified certain
U.S. Treasury securities with a book value of $1.42 billion and market value of $1.08 billion from its available-for-sale investment securities
portfolio to its held-to-maturity investment securities portfolio. While the reclassification had no economic, earnings, or regulatory
capital impact, it enables the Company to more effectively manage overall capital levels if interest rates rise above year-end levels
in the coming quarters.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></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">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 checking, savings and
money market deposit accounts with customers that operate, reside or work within its branch footprint. At December&nbsp;31, 2022, the
Company&rsquo;s readily available sources of liquidity totaled $4.88 billion, including cash and cash equivalents balances, net of float,
of $109.5 million. The Company also maintains an 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 $5.22 billion at December&nbsp;31, 2022, $3.20
billion of which was unpledged as collateral. The Bank&rsquo;s unused borrowing capacity at the Federal Home Loan Bank of New York at
December&nbsp;31, 2022 was $1.08 billion and it had access to $490.5 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">The Company&rsquo;s management believes that its financial position
remains strong. 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. Shareholders&rsquo;
equity of $1.55 billion at December&nbsp;31, 2022 was $549.1 million, or 26.1%, lower than one year ago despite strong earnings retention
because of a $620.0 million decline in the after-tax market value adjustment on the Company&rsquo;s investment securities portfolio due
to higher market interest rates. Shareholders&rsquo; equity was up $90.5 million, or 6.2%, from the end of the third quarter of 2022,
primarily driven by a $76.5 million increase in the after-tax market value adjustment on the Company&rsquo;s investment securities portfolio.</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 December&nbsp;31, 2022, all of the Company&rsquo;s and the Bank&rsquo;s
regulatory capital ratios significantly exceeded well-capitalized standards. More specifically, the Company&rsquo;s tier 1 leverage ratio,
a common measure used to evaluate a financial institution&rsquo;s capital strength, was 8.79% at December&nbsp;31, 2022, which substantially
exceeds the regulatory well-capitalized standard of 5.0%. The Company&rsquo;s shareholders&rsquo; equity to assets ratio (GAAP) was 9.80%
at December&nbsp;31, 2022, down from 13.51% at December&nbsp;31, 2021, but up from 9.37% at September&nbsp;30, 2022. The Company&rsquo;s
net tangible equity to net tangible assets ratio (non-GAAP) was 4.64% at December&nbsp;31, 2022, down from 8.69% a year earlier, but up
from 4.08% at the end of the third quarter of 2022. The decrease in the net tangible equity to net tangible assets ratio (non-GAAP) from
one year prior was primarily driven by a $585.6 million, or 45.7%, decrease in tangible equity due to the aforementioned decline in the
after-tax market value adjustment on the Company&rsquo;s investment securities portfolio and a $38.5 million net increase in intangible
assets primarily driven by the Elmira acquisition and a $246.5 million, or 1.7%, increase in tangible assets due primarily to the Elmira
acquisition and organic loan growth. The increase in the net tangible equity to net tangible assets ratio (non-GAAP) from the third quarter
of 2022 was driven by a $94.2 million, or 15.7%, increase in tangible equity, partially offset by a $244.7 million, or 1.7%, increase
in tangible 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">In December&nbsp;2022 the Company&rsquo;s Board of Directors (the &ldquo;Board&rdquo;)
approved a stock repurchase program authorizing the repurchase of up to 2.70 million shares of the Company&rsquo;s common stock during
a twelve-month period starting January&nbsp;1, 2023. 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. No shares
have been repurchased under the 2023 authorization. As previously announced, in December&nbsp;2021 the Board approved a stock repurchase
program authorizing 2.70 million shares of the Company&rsquo;s common stock during the twelve-month period starting January&nbsp;1, 2022.
There were 250,000 shares repurchased pursuant to the 2022 stock repurchase program, none of which occurred in the fourth quarter of 2022.
The 2022 stock repurchase authorization expired on December&nbsp;31, 2022.</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 December&nbsp;31, 2022, the Company&rsquo;s allowance for credit
losses totaled $61.1 million, or 0.69%, of total loans outstanding. This compares to $60.4 million, or 0.71%, at the end of the third
quarter of 2022 and $49.9 million, or 0.68%, at December&nbsp;31, 2021. Reflective of a weaker economic forecast and an increase in loans
outstanding, the Company recorded a $2.8 million provision for credit losses during the fourth quarter of 2022. The Company recorded net
charge-offs of $2.1 million, or an annualized 0.09% of average loans, in the fourth quarter of 2022. This compares to net charge-offs
of $1.7 million, or an annualized 0.09% of average loans, in the fourth quarter of 2021 and net charge-offs of $0.4 million, or an annualized
0.02% of average loans, in the third quarter of 2022. On a full-year basis, the Company recorded net charge-offs of $3.3 million, or 0.04%
of average loans in 2022, as compared to $2.8 million, or 0.04% of average loans in 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">At December&nbsp;31, 2022, nonperforming (90 or more days past due
and non-accruing) loans increased slightly to $33.4 million, or 0.38%, of total loans outstanding compared to $32.5 million, or 0.38%,
of total loans outstanding at the end of the third quarter of 2022, but declined from $45.5 million, or 0.62%, of total loans outstanding
one year earlier. The decrease in nonperforming loans as compared to the end of the prior year was driven by the upgrade of several large
business loans, primarily customers operating in the hospitality industry whose operations were temporarily negatively impacted by the
pandemic, from nonaccrual status to accruing status during the first quarter of 2022.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Total delinquent loans, which includes nonperforming loans and loans
30 or more days delinquent, to total loans outstanding was 0.89% at the end of the fourth quarter of 2022. This compares to 1.00% at the
end of the fourth quarter of 2021 and 0.71% at the end of the third quarter of 2022. The decrease from one year earlier was largely driven
by the previously mentioned reclassification of certain business loans&rsquo; status from nonaccrual to accruing during the first quarter
of 2022. Loans 30 to 89 days delinquent (categorized by the Company as delinquent but performing), which tend to exhibit seasonal characteristics,
were 0.51% of total loans outstanding at December&nbsp;31, 2022, up from 0.33% at the end of the third quarter of 2022 and 0.38% one year
earlier.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><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
fourth quarter of 2022, the Company declared a quarterly cash dividend of $0.44 per share on its common stock, up 2.3% from the $0.43
dividend declared in the fourth quarter of 2021, representing an annualized yield of </FONT>2.9% based upon the $60.87 closing price of
the Company&rsquo;s stock on January&nbsp;23, 2023. The $0.01 increase in the quarterly dividend declared in the third quarter of 2022
marked the 30<SUP>th</SUP> consecutive year of dividend increases for the Company. &ldquo;The payment of a meaningful and growing dividend
is an important component of our commitment to provide consistent and favorable long term returns to our shareholders, and it reflects
the continued strength of our current operating performance and capital position, and our confidence in the future of the Company,&rdquo;
said Mr.&nbsp;Tryniski.</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, January&nbsp;24, 2023, to discuss the fourth quarter and full year 2022
results. The conference call can be accessed at 1-833-630-0464 (1-412-317-1809 if outside the United States and Canada). Investors may
also listen live via the Internet at:&nbsp;</FONT><U>https://app.webinar.net/bN142L42rDR</U>.</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, is available within the press releases section of the Company's investor relations website
at: </FONT><U>https://ir.communitybanksystem.com</U>. An archived webcast of the earnings call will be available on this site for one
full year.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>About Community Bank System,&nbsp;Inc.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Community
Bank System,&nbsp;Inc. operates more than 210 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western
Massachusetts through its banking subsidiary, Community Bank, N.A. With assets of over $15.8 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&rsquo;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&rsquo;s stock trades under the symbol CBU. For more information about Community Bank visit </FONT><U>www.cbna.com</U> or <U>https://ir.communitybanksystem.com</U>.</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, variants of COVID-19, related
vaccine and booster rollouts, including the negative impacts and disruptions on public health, the Company&rsquo;s 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 on housing prices, unemployment rates, high inflation, U.S. fiscal debt, budget and tax matters, geopolitical matters,
and 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 and net interest margin; future provisions for credit losses on loans and debt securities; changes in nonperforming
assets; the effect on 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>

<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>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 13%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 13%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 12%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Quarter Ended</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Year-to-Date</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>December&nbsp;31,<BR>
 2022</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>December&nbsp;31,<BR>
 2021</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>December&nbsp;31,<BR>
 2022</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>December&nbsp;31,<BR>
 2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$96,168</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$76,909</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$335,075</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$308,355</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27,815</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21,820</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">108,654</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,065</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,983</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">98,729</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">443,729</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">387,420</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,760</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,987</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,099</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,008</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">112,223</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">95,742</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">420,630</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,412</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,927</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,768</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;2,162</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;10,846</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(8,839)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income after provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">109,455</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,580</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">405,857</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">383,251</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit service and other banking fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,228</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,298</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,494</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">62,886</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage banking</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(205)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">293</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">390</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,772</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Wealth management and insurance services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,680</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,946</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,477</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,232</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee benefit services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,023</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,395</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">115,408</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">114,328</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized (loss) gain on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(20)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(44)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total noninterest revenues</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,706</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,935</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">258,725</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">246,235</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Salaries and employee benefits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,103</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,094</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">257,339</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">241,501</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data processing and communications</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,645</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,880</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,099</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,003</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Occupancy and equipment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,673</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,803</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,413</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41,240</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,794</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,751</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,214</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,051</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation accrual</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(100)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(700)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(300)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">353</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">568</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,021</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">701</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,617</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,482</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39,542</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total operating expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">105,852</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100,913</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">424,268</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">388,138</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income before income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,309</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56,602</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">240,314</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">241,348</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,779</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,038</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,233</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,654</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,530</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$43,564</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$188,081</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$189,694</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.48</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.51</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted earnings per share</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.46</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.48</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 50%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data </B></FONT><B>(unaudited)</B></TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-right: 0.75pt; border-left: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; vertical-align: top; border-right: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Earnings</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$96,168</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$88,434</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$77,959</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$72,514</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$76,909</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27,815</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27,441</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,216</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25,182</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21,820</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,983</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">115,875</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">106,175</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,696</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">98,729</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,760</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,481</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,034</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,824</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,987</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">112,223</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110,394</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">103,141</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">94,872</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">95,742</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,927</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,768</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,061</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,111</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;906</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,162</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income after provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">109,455</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">105,333</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">97,103</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,966</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">93,580</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposit service and other banking fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,228</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,364</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,008</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,894</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,298</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage banking</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(205)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">171</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">269</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">155</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">293</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Wealth management and insurance services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,680</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,834</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,921</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,042</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,946</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee benefit services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,023</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27,884</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,921</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,580</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,395</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized (loss) gain on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(20)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(22)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total noninterest revenues</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,706</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,249</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,097</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,673</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,935</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Salaries and employee benefits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,103</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,190</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,398</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61,648</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,094</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data processing and communications</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,645</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,184</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,611</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,659</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,880</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Occupancy and equipment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,673</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,364</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,424</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,952</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,803</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,794</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,837</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,851</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,732</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,751</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(700)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">400</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">353</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">409</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,960</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">299</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">568</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,984</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,201</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,780</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,517</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,617</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 12.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total operating expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">105,852</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">108,185</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110,424</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99,807</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">100,913</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income before income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,309</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">62,397</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,776</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59,832</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56,602</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,779</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,706</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,971</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,777</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,038</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 21.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,530</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,691</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$39,805</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,055</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$43,564</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.90</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.74</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.87</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.90</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.73</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Profitability</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.33%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.24%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.03%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.12%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on equity</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.12%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.49%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.16%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.35%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.30%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on tangible equity<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33.73%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.76%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.61%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.63%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.71%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest revenues/operating revenues (FTE)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37.2%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38.3%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40.9%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency ratio</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.2%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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-top: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan yield</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.39%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.22%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.05%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.99%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.19%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash equivalents yield</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.83%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.76%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.65%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.19%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.15%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment yield</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.85%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.80%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.81%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.74%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.78%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earning asset yield</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.34%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.18%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.97%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.81%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.83%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposit rate</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.26%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.17%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.12%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.11%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.12%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowing rate</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.63%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.34%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.44%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.33%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost of all interest-bearing funds</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.47%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.23%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.13%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.12%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.13%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost of funds (includes DDA)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.33%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.16%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest margin (FTE)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.02%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.03%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.89%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.73%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.74%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fully tax-equivalent adjustment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,118</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,118</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,008</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$830</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$821</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data </B></FONT><B>(unaudited)</B></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Average Balances</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$8,704,051</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$8,333,148</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,725,107</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,389,290</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$7,297,576</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash equivalents</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,501</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25,730</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">472,671</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">930,882</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,813,910</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxable investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,590,538</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,701,691</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,760,399</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,502,965</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,445,504</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nontaxable investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">545,679</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">551,610</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">513,506</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">413,268</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">404,251</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-earning assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,866,769</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,612,179</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,471,683</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,236,405</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,961,241</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,665,726</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,553,296</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,452,712</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,596,209</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,418,880</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,982,442</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,142,333</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,268,859</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,101,664</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,896,562</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">879,194</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">481,657</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">310,674</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">318,193</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">314,610</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest-bearing liabilities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861,636</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,623,990</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,579,533</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,419,857</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,211,172</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest-bearing deposits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,198,086</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,192,615</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,061,738</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,968,197</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,935,586</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,476,093</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,680,525</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,743,410</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,040,843</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,083,115</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance Sheet Data</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and cash equivalents</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$209,896</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$247,391</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$197,628</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,020,926</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,875,064</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,314,888</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,227,292</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,643,022</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,831,616</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,979,089</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans:</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business lending</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,645,665</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,494,425</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,331,998</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,102,533</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,075,904</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer mortgage</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,012,475</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,975,521</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,903,822</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,592,586</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,556,114</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer indirect</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,539,653</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,461,235</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,309,753</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,176,373</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,189,749</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home equity</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">433,996</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">433,027</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">425,437</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">398,316</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">398,061</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer direct</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">177,605</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">179,399</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">173,686</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">152,445</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">153,811</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,809,394</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,543,607</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,144,696</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,422,253</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,373,639</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61,059</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60,363</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,542</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,147</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,869</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">902,837</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">909,224</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">917,891</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">863,038</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">864,335</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">659,695</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">727,396</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">640,138</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">538,197</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">510,399</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,835,651</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,594,547</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,487,833</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,625,883</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,552,657</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits:</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Noninterest-bearing</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,140,617</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,281,859</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,092,073</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,036,563</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,921,663</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Non-maturity interest-bearing</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,964,983</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,296,993</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,268,649</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,388,800</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,061,174</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Time</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">906,708</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">907,469</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">997,050</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">892,304</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">928,331</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 20pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total deposits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,012,308</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,486,321</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,357,772</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,317,667</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,911,168</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,134,526</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">492,044</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309,226</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">302,395</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">326,608</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subordinated notes payable</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,249</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,256</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,263</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,270</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,277</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued interest and other liabilities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">133,863</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">151,763</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">155,876</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">150,448</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">210,797</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,283,946</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,133,384</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,826,137</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,773,780</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,451,850</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders' equity</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,551,705</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,461,163</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,661,696</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,852,103</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,100,807</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-indent: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total liabilities and shareholders' equity</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,835,651</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,594,547</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,487,833</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,625,883</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,552,657</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Capital and Other</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 leverage ratio</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.79%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.78%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.65%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.09%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.09%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible equity/net tangible assets<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.64%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.08%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.40%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.98%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.69%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loan-to-deposit ratio</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67.7%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63.4%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61.0%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55.7%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57.1%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Diluted weighted average common shares O/S</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,253</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,290</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,393</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,515</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,559</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Period end common shares outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,737</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,736</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,734</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,913</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53,878</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash dividends declared per common share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.44</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.44</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.43</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.43</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.43</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Book value</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$28.88</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$27.19</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$30.92</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$34.35</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$38.99</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible book value<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$12.93</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$11.18</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14.69</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$19.16</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$23.77</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock price (end of period)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$62.95</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$60.08</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$63.28</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$70.15</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$74.48</FONT></TD></TR>
</TABLE>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data </B></FONT><B>(unaudited)</B></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-left: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><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; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Asset Quality</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonaccrual loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$29,245</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$28,076</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$31,686</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$32,213</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$41,665</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accruing loans 90+ days delinquent</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,119</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,416</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,439</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,816</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,808</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,364</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,492</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,125</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36,029</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,473</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned (OREO)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">503</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">527</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">619</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">416</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">718</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,867</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,019</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,744</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36,445</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,191</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net charge-offs</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,054</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">358</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">383</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">539</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,708</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses/loans outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.69%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.71%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.68%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.68%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.68%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming loans/loans outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.38%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.38%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.46%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.49%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.62%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses/nonperforming loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">183%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">186%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">150%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">139%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">110%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net charge-offs/average loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.09%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.02%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.02%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.03%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delinquent loans/ending loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.89%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.71%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.75%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.84%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses/net charge-offs</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">135%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,415%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,577%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">168%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">127%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming assets/total assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.21%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.21%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.24%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.23%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pre-tax, pre-provision net revenue</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Net income (GAAP)</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,530</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,691</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$39,805</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,055</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$43,564</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Income taxes</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,779</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,706</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,971</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,777</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,038</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Income before income taxes</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,309</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">62,397</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,776</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59,832</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56,602</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Provision for credit losses</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;2,768</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;5,061</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;6,038</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;906</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,162</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT>Pre-tax, pre-provision net revenue (non-GAAP)</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">70,077</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,458</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56,814</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60,738</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58,764</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">353</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">409</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,960</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">299</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">568</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(700)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">400</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Unrealized loss (gain) on equity securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;20</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;4</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;22</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(2)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Adjusted pre-tax, pre-provision net revenue (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$69,750</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$67,871</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$61,196</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$61,035</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$59,529</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Diluted earnings per share (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.90</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.73</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.27</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.25</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.20</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.24</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.24</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Income before income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.24</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.15</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.93</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.10</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Provision for credit losses</TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.06</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.12</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.04</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT>Pre-tax, pre-provision net revenue per share (non-GAAP)</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.30</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.25</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.05</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.08</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Acquisition expenses</TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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="padding: 0.75pt 0.75pt 1pt; border-left: Black 1pt solid; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT>Unrealized loss (gain) on equity securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; 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-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT>Adjusted pre-tax, pre-provision net revenue per share (non-GAAP)</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.29</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.25</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.13</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.12</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1.09</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  </TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<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-right: 0.75pt; white-space: nowrap; padding-left: 0.75pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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; border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><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-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net income</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Net income (GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$52,530</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,691</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$39,805</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$47,055</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$43,564</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition expenses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">353</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">409</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,960</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">299</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">568</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax effect of acquisition expenses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(78)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(90)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(856)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(64)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(131)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,805</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,010</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,909</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,290</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,001</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(700)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">400</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    effect of </FONT>acquisition-related contingent consideration</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 7.5pt">adjustment</P></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">154</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(86)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(46)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,259</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,010</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,223</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,290</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,155</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,927</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax effect of </FONT>acquisition-related provision for credit losses</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(848)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,259</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,010</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,302</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,290</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,155</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax effect of unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Operating net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,275</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,013</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,319</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,288</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,153</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Amortization of intangibles</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,794</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,837</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,851</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,732</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,751</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax effect of amortization of intangibles</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(833)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(843)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(832)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(797)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(864)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,236</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,007</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49,338</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50,223</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,040</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquired non-PCD loan accretion </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,138)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,397)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,023)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(734)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(812)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax effect of acquired non-PCD loan accretion</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">250</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">307</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">221</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">157</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">187</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 2.5pt; padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Adjusted net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,348</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,917</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,536</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$49,646</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,415</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average assets</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Adjusted net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,348</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,917</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,536</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$49,646</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,415</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Average total assets</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,665,726</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,553,296</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,452,712</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,596,209</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,418,880</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted return on average assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.38%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.30%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.26%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.29%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.19%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Return on average equity</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Adjusted net income (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$54,348</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$50,917</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$48,536</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$49,646</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$46,415</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Average total equity</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,476,093</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,680,525</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,743,410</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,040,843</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,083,115</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted return on average equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.61%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.02%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.17%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.87%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.84%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; padding-left: 0.75pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt; width: 10%">&nbsp;</TD>
    </TR>
  <TR>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; vertical-align: bottom; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    </TR>
  <TR>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; vertical-align: bottom; padding-left: 0.75pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><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-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income statement data (continued)</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;Earnings per common share</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Diluted earnings per share (GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.97</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.73</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.86</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.80</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Acquisition expenses </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00 </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07 </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01 </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01 </FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Tax effect of acquisition expenses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.97</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.78</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt">&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax
    effect of </FONT>acquisition-related contingent consideration</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15pt; text-indent: 5.1pt">&nbsp;&nbsp;adjustment</P></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.96</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.79</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;Acquisition-related provision for credit losses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;Tax effect of </FONT>acquisition-related for provision credit losses</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.96</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Tax effect of unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating diluted earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.96</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.85</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.87</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.81</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Amortization of intangibles </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.07</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Tax effect of amortization of intangibles</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subtotal (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.01</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.95</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.92</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.86</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Acquired non-PCD loan accretion </FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.02)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(0.01)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;Tax effect of acquired non-PCD loan accretion</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.01</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted adjusted net earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.94</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.89</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$0.85</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;Noninterest operating expenses</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Noninterest expenses (GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$105,852</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$108,185</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$110,424</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$99,807</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$100,913</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Amortization of intangibles</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,794)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,837)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,851)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,732)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3,751)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquisition expenses</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(353)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(409)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(3,960)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(299)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(568)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">700</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(400)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(200)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total adjusted noninterest expenses (non-GAAP)</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$102,405</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$103,939</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$102,213</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$95,776</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$96,394</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;Efficiency ratio </B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Adjusted noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$102,405</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$103,939</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$102,213</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$95,776</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$96,394</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Tax-equivalent net interest income</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">113,341</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">111,512</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,149</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">95,702</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">96,563</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Noninterest revenues</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,706</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,249</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64,097</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,673</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63,935</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Acquired non-PCD loan accretion</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,138)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,397)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(1,023)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(734)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(812)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Unrealized loss (gain) on equity securities</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Operating revenues (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">175,929</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">175,368</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">167,245</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">160,639</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-top: Black 1pt solid; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">159,683</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 0.75pt">&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58.2%</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.3%</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">61.1%</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59.6%</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">60.4%</FONT></TD></TR>
  </TABLE>
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<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-right: 0.75pt; white-space: nowrap; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Summary of Financial Data </B></FONT><B>(unaudited)</B></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; width: 10%; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; width: 10%; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; width: 10%; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; width: 10%; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; width: 10%; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap; vertical-align: bottom; padding-left: 5pt">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2022</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2021</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><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-right: 0.75pt; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>2nd Qtr</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1st Qtr</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: center; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>4th Qtr</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #BFBFBF">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 0.75pt; white-space: nowrap"><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-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&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-right: 0.75pt; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Balance sheet data</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total assets</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Total assets (GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$15,835,651</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$15,594,547</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$15,487,833</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$15,625,883</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$15,552,657</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Intangible assets</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(902,837)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(909,224)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(917,891)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(863,038)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(864,335)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Deferred taxes on intangible assets</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,130</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,893</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,349</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,968</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,160</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,978,944</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,734,216</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,615,291</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,806,813</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$14,732,482</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total common equity</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Shareholders' equity (GAAP)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,551,705</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,461,163</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,661,696</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,852,103</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,100,807</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Intangible assets</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(902,837)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(909,224)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(917,891)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;(863,038)</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(864,335)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Deferred taxes on intangible assets</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46,130</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,893</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45,349</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,968</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44,160</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$694,998</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$600,832</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$789,154</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,033,033</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,280,632</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Shareholders&rsquo; equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Total shareholders&rsquo; equity (GAAP) - numerator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,551,705</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,461,163</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,661,696</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,852,103</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$2,100,807</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Total assets (GAAP) - denominator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,835,651</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,594,547</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,487,833</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,625,883</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,552,657</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net shareholders&rsquo; equity-to-assets ratio at quarter end </FONT><FONT STYLE="font-size: 10pt">(</FONT>GAAP)</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.80%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.37%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.73%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.85%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.51%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><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-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Total tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$694,998</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$600,832</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$789,154</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,033,033</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$1,280,632</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;Total tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,978,944</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,734,216</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,615,291</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,806,813</FONT></TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,732,482</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net tangible equity-to-assets ratio at quarter end </FONT><FONT STYLE="font-size: 10pt">(</FONT>non-GAAP)</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.64%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.08%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; padding-right: 0.75pt; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.40%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.98%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 2.5pt double; white-space: nowrap; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.69%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-right: Black 1pt solid; padding-right: 0.75pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap; padding-left: 5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="padding-right: 0.75pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; white-space: nowrap; text-align: right; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="6" STYLE="padding-right: 0.75pt; white-space: nowrap; padding-top: 0.75pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="6" STYLE="padding-right: 0.75pt; white-space: nowrap; padding-top: 0.75pt; text-indent: -0.15pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I><SUP>(1)</SUP></I></FONT><I>&nbsp;Excludes unrealized gain (loss) on equity securities.</I></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="6" STYLE="padding-right: 0.75pt; white-space: nowrap; padding-top: 0.75pt; text-indent: -0.15pt; padding-left: 0.75pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="6" STYLE="padding-right: 0.75pt; white-space: nowrap; padding-top: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I><SUP>(2)</SUP></I></FONT><I>&nbsp;Includes deferred tax liabilities related to certain intangible assets.</I></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cbu-20230124.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.17a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +aA5w7xRiXgen8uLa3ZcWaSPGbOdzZR+aYkxtmB8bcn6nyUghXZS0S0QksxW4e4L -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:srt="http://fasb.org/srt/2021-01-31" xmlns:srt-types="http://fasb.org/srt-types/2021-01-31" xmlns:cbu="http://communitybankna.com/20230124" elementFormDefault="qualified" targetNamespace="http://communitybankna.com/20230124">
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	<link:roleType roleURI="http://communitybankna.com/role/Cover" id="Cover">
	  <link:definition>00000001 - Document - Cover</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
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    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2021q4" schemaLocation="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd" />
    <import namespace="http://fasb.org/us-gaap/2021-01-31" schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" />
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    <import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2021" schemaLocation="https://xbrl.sec.gov/country/2021/country-2021.xsd" />
    <import namespace="http://fasb.org/srt/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd" />
    <import namespace="http://fasb.org/srt-types/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd" />
</schema>
</XBRL>
</TEXT>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>cbu-20230124_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: 5.17a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://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" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
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    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
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      <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/2021q4/dei-2021q4.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>
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      <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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.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/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
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      <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/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:type="arc" />
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      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityBankruptcyProceedingsReportingCurrent" xlink:to="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xml:lang="en-US">Entity Bankruptcy Proceedings, Reporting Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20230124_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<TYPE>XML
<SEQUENCE>8
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.22.4</span><table class="report" border="0" cellspacing="2" id="idm140213202297728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jan. 24, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 24,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">dei_EntityFileNumber</td>
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<td>dei_</td>
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<td>dei:fileNumberItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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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>
<td>na</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
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<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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="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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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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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<tr>
<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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<tr>
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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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_TradingSymbol</td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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_WrittenCommunications</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
