<SEC-DOCUMENT>0001104659-24-005762.txt : 20240123
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<ACCEPTANCE-DATETIME>20240123093334
ACCESSION NUMBER:		0001104659-24-005762
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20240123
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240123
DATE AS OF CHANGE:		20240123

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY BANK SYSTEM, INC.
		CENTRAL INDEX KEY:			0000723188
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		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:		24550678

	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_90B_edei--DocumentType_c20240123__20240123_zb1vpIG4GTck"><ix:nonNumeric contextRef="AsOf2024-01-23" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

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



<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-size: 10pt">&#160;</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; 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_90D_edei--DocumentPeriodEndDate_c20240123__20240123_zTvzzzjpQafi"><ix:nonNumeric contextRef="AsOf2024-01-23" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">January 23, 2024</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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><img src="tm243870d1_8kimg001.jpg" alt="" /></p>

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

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

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

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    <td style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">(State or other
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    <td style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">(IRS Employer Identification</span> <span style="font: 10pt Times New Roman, Times, Serif"> No.)</span></td></tr>
<tr style="vertical-align: top">
    <td style="text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"> incorporation)</span></td>
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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_904_edei--CityAreaCode_c20240123__20240123_zdDdKGbSsxM6"><ix:nonNumeric contextRef="AsOf2024-01-23" 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: left">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

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

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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr>
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<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td></tr>
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<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
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    <td style="width: 0.25in; text-align: left"><span style="font-family: Wingdings"><span id="xdx_906_edei--PreCommencementIssuerTenderOffer_c20240123__20240123_zwFu5lsJ905c"><ix:nonNumeric contextRef="AsOf2024-01-23" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#168;</ix:nonNumeric></span></span></td>
    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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

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    <td style="border: black 1pt solid; border-image: none; width: 33%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Title of each class</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 34%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Trading<br />
 Symbol(s)</span></td>
    <td style="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; width: 33%; text-align: center; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif">Name
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registered</span></td></tr>
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    <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_90F_edei--Security12bTitle_c20240123__20240123_zFnVcLoyYUGi"><ix:nonNumeric contextRef="AsOf2024-01-23" name="dei:Security12bTitle">Common Stock, $1.00 par value per share</ix:nonNumeric></span></span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">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 &#160;&#160;<span style="font-family: Wingdings"><span id="xdx_907_edei--EntityEmergingGrowthCompany_c20240123__20240123_z2BZ24wqYrJd"><ix:nonNumeric contextRef="AsOf2024-01-23" 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; text-align: justify">&#160;</p>

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

<!-- Field: Rule-Page --><div style="margin-top: 3pt; margin-bottom: 12pt; width: 100%"><div style="border-top: Black 1pt solid; border-bottom: Black 2pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

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

<!-- Field: Page; Sequence: 1 -->
    <div style="border-bottom: Black 1pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="margin: 0pt">&#160;</p></div>
    <div style="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&#160;</p></div>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On January 23, 2024, Community Bank System, Inc.
announced its results of operations for the quarter ended December 31, 2023. The public announcement was made by means of a news release,
the text of which is furnished as Exhibit 99.1.</p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information in this Form 8-K, including Exhibit
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 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; text-indent: 0.5in">&#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) Exhibits</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following exhibit is being furnished pursuant
to Item 2.02 above.</p>

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

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<td style="width: 0.5in"></td><td style="width: 0.5in"><a href="tm243870d1_ex99-1.htm" style="-sec-extract: exhibit">99.1</a></td><td><a href="tm243870d1_ex99-1.htm" style="-sec-extract: exhibit">Press Release, dated January 23, 2024, issued by Community Bank System, Inc.</a></td></tr></table>

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

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

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

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

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<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; text-indent: 0.5in">&#160;</p>

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  <tr style="vertical-align: top">
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    Joseph E. Sutaris</span></td>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: January 23, 2024</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; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>Exhibit Index</b></p>

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    <td style="padding-right: -0.5in"><a href="tm243870d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</span></a></td>
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    <td style="padding-right: 4.5pt"><a href="tm243870d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press Release, dated January 23, 2024, issued by Community Bank System, Inc.</span></a></td></tr>
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<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-variant: normal">Exhibit
99.1</FONT></P>

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

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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 52%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="tm243870d1_ex99-1img001.jpg" ALT=""></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom"><P STYLE="font: 26pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><U>News
                                            Release</U></B></FONT></P>
    <P STYLE="font: 4pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">For further
    information, please contact:</FONT></P></TD></TR>
  <TR STYLE="font: 11pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="padding-top: 2pt; font: 11pt Times New Roman, Times, Serif; text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt">5790
    Widewaters Parkway, DeWitt, N.Y. 13214</FONT></TD>
    <TD STYLE="padding-top: 2pt; font: 11pt Times New Roman, Times, Serif; text-align: left; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: bottom"><P STYLE="font: 11pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt">Joseph
                                            E. Sutaris, EVP&nbsp;&amp; Chief Financial Officer</FONT></P>
    <P STYLE="font: 11pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt">Office:
    (315) 445-7396</FONT></P></TD></TR>
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<P STYLE="font: small-caps bold 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt">Community
Bank System, Inc. Reports Fourth Quarter And Full Year 2023 Results</FONT></P>

<P STYLE="font: small-caps bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">&nbsp;</FONT></P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">SYRACUSE,
N.Y. &mdash; January 23, 2024 &mdash; Community Bank System, Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported fourth quarter and
full year 2023 results that are included in the attached supplement. This earnings release, including supporting financial tables, is
also available within the press releases section of the Company's investor relations website at: <FONT STYLE="color: Blue"><U>https://ir.communitybanksystem.com/news-presentations/press-releases/</U></FONT>.
An archived webcast of the earnings call will be available on this site for one full year.</FONT></P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">&nbsp;</FONT></P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><U>Fourth
Quarter and Full Year 2023 Performance Summary</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10.5pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Fourth
                                            quarter 2023 net income of $38.3 million, or $0.71 per fully diluted share, was down $14.2
                                            million, or $0.26 per fully diluted share, from the prior year&rsquo;s fourth quarter while
                                            full year 2023 net income of $136.5 million, or $2.53 per fully diluted share, was down $51.6
                                            million, or $0.93 per fully diluted share, from full year 2022</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Fourth
                                            quarter 2023 operating net income, a non-GAAP measure, of $40.9 million, or $0.76 per fully
                                            diluted share, was down $11.3 million, or $0.20 per fully diluted share, from the prior year&rsquo;s
                                            fourth quarter while full year 2023 operating net income, a non-GAAP measure, of $181.3 million,
                                            or $3.36 per fully diluted share, was down $13.6 million, or $0.22 per fully diluted share,
                                            from full year 2022</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Total
                                            revenues for fourth quarter 2023 of $177.0 million, a new quarterly record for the Company,
                                            were up $1.0 million, or 0.6%, from the prior year&rsquo;s fourth quarter and up $1.6 million,
                                            or 0.9%, from third quarter 2023</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Total
                                            financial services (employee benefit services, insurance services and wealth management services)
                                            revenues for fourth quarter 2023 of $49.5 million were up $4.8 million, or 10.8%, from the
                                            prior year&rsquo;s fourth quarter and total financial services revenues for full year 2023
                                            of $197.0 million were up $10.1 million, or 5.4%, from full year 2022 </I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Total
                                            ending loans of $9.70 billion were up $254.5 million, or 2.7%, from the end of the prior
                                            quarter, marking the tenth consecutive quarter of loan growth, and were up $895.2 million,
                                            or 10.2%, from the end of the prior year</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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                                            ending deposits of $12.93 billion were down $102.7 million, or 0.8%, from the end of the
                                            prior quarter and down $84.2 million, or 0.6%, from December 31, 2022</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">&nbsp;</FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Annualized
                                            loan net charge-offs were 0.10% in the quarter and 0.06% for the full year</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

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<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10.5pt">&middot;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>Tier
                                            1 leverage ratio of 9.37% was up 0.58 percentage points from the end of the prior year</I></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10.5pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">Company
management will conduct an investor call at 11:00 a.m. (ET) today, January 23, 2024, to discuss the fourth quarter and full year 2023
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 STYLE="color: Blue"><U>https://app.webinar.net/Rm4ONkYgL8b</U></FONT>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt"><B>About
Community Bank System, Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10.5pt">Community
Bank System, Inc. is a diversified financial services company with total assets of $15.5 billion focused on four main business lines
 &ndash; banking, benefits administration, insurance services and wealth management. Its banking subsidiary, Community Bank, N.A., is
among the country&rsquo;s 100 largest banking institutions and operates more than 200 customer facilities across Upstate New York, Northeastern
Pennsylvania, Vermont, and Western Massachusetts. In addition to a full range of retail, business, and municipal banking services, the
Company offers comprehensive financial planning, trust administration and wealth management services through its Community Bank Wealth
Management operating unit. The Company&rsquo;s Benefit Plans Administrative Services, Inc. subsidiary is a leading provider of employee
benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on
a national scale. The Company&rsquo;s OneGroup NY, Inc. subsidiary is a top 100 U.S. insurance agency. Community Bank System, 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 STYLE="color: Blue"><U>www.cbna.com</U></FONT> or <FONT STYLE="color: Blue"><U>https://ir.communitybanksystem.com</U></FONT>.</FONT></P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 52%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><IMG SRC="image_007.jpg" ALT="" STYLE="height: 52px; width: 279px">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&nbsp;</FONT></TD>
    <TD STYLE="width: 48%; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 26pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>News
    Release</U></B></FONT></P>
    <P STYLE="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For
    further information, please contact:</FONT></P></TD></TR>
  <TR STYLE="font-size: 11pt; vertical-align: top">
    <TD STYLE="padding-top: 2pt; padding-left: 8.65pt; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">5790 Widewaters
    Parkway, DeWitt, N.Y. 13214</FONT></TD>
    <TD STYLE="padding-top: 2pt; font-size: 11pt; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Joseph
                                            E. Sutaris, EVP &amp; Chief Financial Officer</FONT></P>
    <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">Office:
    (315) 445-7396</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-variant: normal; font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: small-caps bold 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community
Bank System, Inc. Reports Fourth Quarter And Full Year 2023 Results</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">SYRACUSE, N.Y. &mdash; January 23, 2024&nbsp;</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
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    <TD STYLE="padding: 5pt; border: Black 1pt solid; background-color: rgb(223,83,44); text-align: center; width: 100%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community
                                            Bank System, Inc. (the &ldquo;Company&rdquo;) (NYSE: CBU) reported fourth quarter 2023 net
                                            income of $38.3 million, or $0.71 per fully diluted share and full year 2023 net income of
                                            $136.5 million, or $2.53 per fully diluted share.</FONT></P>

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</TD></TR>
  <TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 5pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="border: Black 1pt solid; padding: 5pt; background-color: rgb(242,242,242); text-align: left"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Our
                                            Company achieved its highest level of quarterly revenues during the fourth quarter of 2023,
                                            despite facing a challenging environment. However, our bottom-line net income results were
                                            impacted by a series of non-operating and other notable noninterest expense items,&rdquo;
                                            commented Dimitar A. Karaivanov, President and CEO. &ldquo;These included the impact of the
                                            FDIC insurance special assessment, increased retirement expense, elevated fraud expenses,
                                            and restructuring costs linked to our Company&rsquo;s previously announced retail workforce
                                            optimization strategy. Additionally, acquisition-related contingent consideration adjustments
                                            were incurred connected to the achievement of earn-out objectives from previous acquisitions.</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Looking back
to 2023, all of our four businesses - banking, employee benefit services, insurance services and wealth management services - recorded
year-over-year increases in revenues in spite of a volatile market environment. We achieved our below average risk investment thesis
through our diverse revenue streams, peer-leading liquidity levels, competitive funding costs, strong credit and robust regulatory capital
levels.</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Looking forward
into 2024, our focus is squarely on maintaining this trajectory of revenue growth, while concurrently moderating operating expenses and
maximizing the returns on the investments we made in leadership, talent, risk management capabilities and data systems across all of
our businesses to achieve positive operating leverage.&rdquo;&nbsp;</FONT></P>

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</TD></TR>
  </TABLE>
<P STYLE="font: small-caps 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Fourth
Quarter and Full Year 2023 Performance</U></B></FONT></P>

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    <TD STYLE="width: 16%; background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Operating
    Performance</B></FONT></TD>
    <TD STYLE="font-size: 9pt; width: 84%; padding: 0.7pt"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;GAAP
                                           EPS</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;$0.71
    per share for the fourth quarter of 2023, a decrease of $0.26 per share from the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $2.53 per share for full year 2023, a decrease of $0.93 per share from full year 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Operating EPS (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $0.76 per share for the fourth quarter of 2023, a decrease of $0.20 per share from the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $3.36 per share for full year 2023, a decrease of $0.22 per share from full year 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Adjusted Pre-Tax, Pre-Provision Net Revenue Per Share (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $1.06 per share for the fourth quarter of 2023, a decrease of $0.23 per share from the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $4.49 per share for full year 2023, a decrease of $0.29 per share from full year 2022</FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Return
    Metrics</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
                               Return on Assets | Adjusted Return on Average Assets (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    0.99% | 1.12% for the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    0.90% | 1.24% for full year 2023</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Return on Equity | Adjusted Return on Average Equity (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    9.69% | 10.91% for the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    8.55% | 11.88% for full year 2023</FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
</TABLE>

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

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  <TR>
    <TD STYLE="background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center; width: 16%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Revenues</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt; background-color: white; width: 84%"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
                                            Total Revenues</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $177.0 million for the fourth quarter of 2023, an increase of $1.0 million, or 0.6%, from the fourth quarter of 2022</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $652.1 million for full year 2023, a decrease of $27.2 million, or 4.0%, from full year 2022</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Excluding
    gains and losses on investment securities and debt extinguishment, total revenues were $704.3 million &#8239;&#8239;&#8239;&#8239;for
    full year 2023, an increase of $24.9 million, or 3.7%, from 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Noninterest Revenues</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $67.8 million for the fourth quarter of 2023, an increase of $4.1 million, or 6.4%, from the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $214.8 million for full year 2023, a decrease of $43.9 million, or 17.0%, from full year 2022</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Excluding gains and losses on investment securities and debt extinguishment, total noninterest revenues were &#8239;&#8239;&#8239;&#8239;$267.0
    million for full year 2023, an increase of $8.2 million, or 3.2%, from full year 2022 </FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Noninterest Revenues/Total Revenues | Noninterest Revenues/Operating Revenues (FTE) (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    38.3% | 38.2% for the fourth quarter of 2023</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    32.9% | 37.9% for full year 2023 </FONT></FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Net
    Interest Income and Net Interest Margin</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
                               Net Interest Income</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $109.2 million for the fourth quarter of 2023, a decrease of $3.0 million, or 2.7%, from the fourth quarter of 2022 and &#8239;&#8239;&#8239;&#8239;an
    increase of $1.4 million, or 1.3%, from the third quarter of 2023</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $437.3 million for full year 2023, an increase of $16.7 million, or 4.0%, from full year 2022</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Net Interest Margin</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    3.05% for the fourth quarter of 2023, a decrease of two basis points from 3.07% for the third quarter of 2023 and an increase of
    six basis points from 2.99% for the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    3.11% for full year 2023, an increase of 22 basis points from 2.89% for full year 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Net Interest Margin (Fully Tax-Equivalent) (non-GAAP)</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    3.07% for the fourth quarter of 2023, a decrease of three basis points from 3.10% for the third quarter of 2023 and an &#8239;&#8239;&#8239;&#8239;increase
    of five basis points from 3.02% for the fourth quarter of 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    3.14% for full year 2023, an increase of 22 basis points from 2.92% for full year 2022</FONT></FONT></P></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><BR STYLE="clear: both">
    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Balance Sheet and Funding</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
                               Total Ending Loans</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $9.70 billion, an increase of $254.5 million, or 2.7%, from September 30, 2023, and an increase of $895.2 million, or &#8239;&#8239;&#8239;10.2%,
    from one year ago</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Total Ending Deposits</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    $12.93 billion, a decrease of $102.7 million, or 0.8%, from September 30, 2023, and a decrease of $84.2 million, or &#8239;&#8239;&#8239;&#8239;0.6%,
    from December 31, 2022</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Total Deposit Funding Costs | Total Cost of Funds</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    0.98% | 1.08% for the fourth quarter of 2023</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    0.66% | 0.77% for full year 2023</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #DF532C; padding-top: 0.7pt; padding-right: 0.7pt; padding-left: 0.7pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Risk
    Metrics</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding: 0.7pt"><P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
                               Annualized Loan Net Charge-Offs</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    0.10% for the fourth quarter of 2023 and 0.06% for full year 2023</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Tier 1 Leverage Ratio</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    9.37%</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.7pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Loan-to-deposit ratio</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    &#8239;&#8239;75.1%</FONT></FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 30.75pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol; font-size: 9pt">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;
    Non-owner occupied commercial real estate / total bank-level regulatory capital</FONT></P>
    <P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in"><FONT STYLE="font-size: 9pt">&#8239;&#8239;<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;197%</FONT></FONT></P></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B></B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B><U>Fourth Quarter 2023 Business Segment Revenues</U></B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="width: 16%; background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Banking</B></FONT></TD>
    <TD STYLE="width: 84%; padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Total
    Revenues of $127.4 million decreased $3.8 million, or 2.9%, from the fourth quarter of 2022 primarily due to lower net interest income
    resulting from higher funding costs.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Total Revenues increased $2.1 million, or 1.7%, from the
    third quarter of 2023, primarily driven by continued organic loan growth and a relatively stable net interest margin.</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 11pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Employee Benefit Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $30.0 million increased $1.0 million,
    or 3.4%, from the fourth quarter of 2022 driven by an increase in the total participants under administration along with growth resulting
    from market appreciation.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Total Revenues were consistent with the third quarter of
    2023.</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0.25in; font-size: 10pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Insurance Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;Total Revenues of $11.6 million increased $3.3 million,
    or 39.9%, from the fourth quarter of 2022 reflective of a strong premium market and organic expansion, along with growth resulting from
    acquisitions.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt"></FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues decreased $0.5 million, or 4.2%, from the
    third quarter of 2023 due in part to seasonal factors.</FONT></P></TD></TR>
  <TR>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; font-size: 11pt">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 0.25in; font-size: 10pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="background-color: #D9D9D9; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 11pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Wealth Management Services</B></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues of $7.9 million increased $0.5 million,
    or 7.0%, from the fourth quarter of 2022 as more favorable investment market conditions drove increases in assets under management between
    the periods.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 26.35pt; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 7pt">&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;&#8239;    </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total Revenues were consistent with the third quarter of
    2023.</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10.5pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Results of Operations</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Company reported fourth quarter 2023 net income of $38.3 million,
or $0.71 per fully diluted share. This compares to net income of $52.5 million, or $0.97 per fully diluted share for the fourth quarter
of 2022. The $0.26 decrease in earnings per share was reflective of increases in operating expenses and the provision for credit losses
and a decrease in net interest income, partially offset by an increase in noninterest revenues, as well as decreases in both income taxes
and the number of fully diluted shares outstanding. Comparatively, the Company recorded $0.82 in fully diluted earnings per share for
the linked third quarter of 2023.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Net Interest Income and Net Interest Margin</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s tenth consecutive quarter of loan growth supported
expansion in net interest income over third quarter results. </I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest income in the fourth quarter of 2023 was $109.2
million, down $3.0 million, or 2.7%, compared to the fourth quarter of 2022, and up $1.4 million, or 1.3%, from the third quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net interest margin in the fourth quarter of 3.05% and fully
tax-equivalent net interest margin, a non-GAAP measure, of 3.07% increased by six basis points and five basis points, respectively, from
the fourth quarter of 2022. These increases were primarily the result of higher yields on interest-earning assets and a higher proportion
of those assets being comprised of loan balances primarily due to strong organic loan growth, and the sales and maturities of certain
lower-yielding available-for-sale investment securities between the periods, partially offset by higher rates paid on interest-bearing
liabilities.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The yield on interest-earning assets increased 77 basis points
to 4.11% over the prior year&rsquo;s fourth quarter primarily as a result of higher loan yields 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.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The cost of interest-bearing liabilities increased 101 basis
points from 0.47% in the fourth quarter of 2022 to 1.48% in the fourth quarter of 2023 as a result of market-driven higher deposit and
borrowing rates.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">On a linked quarter basis, net interest margin decreased by
two basis points, while tax-equivalent net interest margin, a non-GAAP measure, decreased by three basis points. The cost of funds increased
20 basis points, including a 25 basis point increase in the cost of interest-bearing liabilities, while the yield on interest-earning
assets increased 17 basis points.</FONT></TD></TR></TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Noninterest Revenues</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s banking and financial services (including employee
benefit services, insurance services and wealth management services) noninterest revenue streams continue to reduce its dependence on
net interest income and lay a solid foundation for future growth and opportunities. </I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Banking noninterest revenues decreased $0.8 million, or 4.0%,
from $19.0 million in the fourth quarter of 2022 to $18.2 million in the fourth quarter of 2023 reflective of the Company&rsquo;s implementation
of certain deposit fee changes, including the elimination of nonsufficient and unavailable funds fees on personal accounts late in the
fourth quarter of 2022. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Employee benefit services revenues for the fourth quarter
of 2023 were $30.0 million, up $1.0 million, or 3.4%, in comparison to the fourth quarter of 2022 driven by new business and a year-over-year
increase in the total participants under administration, along with a modest increase from market appreciation.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Insurance services revenues for the fourth quarter of 2023
were $11.6 million, which represents a $3.3 million, or 39.9%, increase versus the prior year&rsquo;s fourth quarter, reflective primarily
of a strong premium market and organic expansion, along with growth resulting from acquisitions completed between the periods.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Wealth management services revenues for the fourth quarter
of 2023 were $7.9 million, up from $7.4 million in the fourth quarter of 2022 as more favorable investment market conditions drove an
increase in assets under management.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Noninterest Expenses and Income Taxes</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company continues to maintain a focus on managing expenses consistent
with its organic growth strategies and scale objectives, while continuing to evaluate efficiency opportunities and the enhancement of
operating leverage in all lines of business.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company recorded $123.3 million in total operating expenses
in the fourth quarter of 2023, compared to $105.9 million of total operating expenses in the prior year&rsquo;s fourth quarter. The $17.4
million, or 16.5%, increase between the periods was mainly driven by higher salaries and employee benefits, acquisition-related contingent
consideration adjustments, restructuring expenses, data processing and communications expenses, business development and marketing and
other expenses.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The $7.5 million, or 11.7%, increase in salaries and benefits
expenses was primarily driven by merit and market-related increases in employee wages, higher employee medical expenses and certain executive
retirement expenses.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The $2.9 million increase in acquisition-related contingent
consideration adjustment was due to an increase in the probability of achievement of retained revenue levels associated with future contingent
consideration payments for certain acquisitions completed in the employee benefit services and insurance businesses.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Restructuring expenses of $1.2 million were recognized during
the fourth quarter of 2023 due to severance payments associated with the Company&rsquo;s previously announced retail customer service
workforce optimization plan.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The $1.0 million, or 7.6%, increase in data processing and
communications expenses is reflective of the Company&rsquo;s continued investment in customer-facing and back-office digital technologies.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Business development and marketing expenses increased $0.5
million, or 16.5%, due to the Company&rsquo;s investment in digital marketing initiatives and higher levels of targeted advertisements
intended to generate deposit inflows.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other expenses were up $4.9 million, or 69.5%, primarily due
to increases in insurance expenses, including a $1.5 million accrual associated with the FDIC special assessment to recover the loss to
the Deposit Insurance Fund associated with protecting uninsured depositors following the closures of certain banks in the first quarter
of 2023 along with the impact of a higher FDIC insurance assessment rate, and non-service related components of the net periodic pension
benefit credit.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The effective tax rate for the fourth quarter of 2023 was
22.8%, up from 22.0% in the fourth quarter of 2022. On a full year basis the effective tax rate was 21.6% for 2023 compared to 21.7% for
2022.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Financial Position and Liquidity</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s financial position and liquidity profile remain
strong, demonstrating the effectiveness of its strategic asset and liability management and prudent financial planning.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s total assets were $15.55 billion at December
31, 2023, representing a $281.1 million, or 1.8%, decrease from one year prior and a $168.2 million, or 1.1%, increase from the end of
the third quarter of 2023. The decrease in the Company&rsquo;s total assets during the prior twelve-month period was primarily driven
by the sales and maturities of certain available-for-sale investment securities, partially offset by organic loan growth.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At December 31, 2023, the Company&rsquo;s readily available
sources of liquidity totaled $4.83 billion, including cash and cash equivalents balances of $191.0 million, investment securities unpledged
as collateral totaling $2.17 billion, unused borrowing capacity at the Federal Home Loan Bank of New York of $1.37 billion and $1.10 billion
of funding availability at the Federal Reserve Bank&rsquo;s discount window.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The available sources of immediately available liquidity represent
over 200% of the Company&rsquo;s estimated uninsured deposits, net of collateralized and intercompany deposits.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Estimated insured deposits, net of collateralized and intercompany
deposits, represent greater than 80% of fourth quarter total ending deposits.</FONT></TD></TR></TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Deposits and Funding</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company continues to leverage its robust core deposit base, characterized
by low funding costs, to support its financial operations.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending deposits at December 31, 2023 of $12.93 billion were
$102.7 million, or 0.8%, lower than the third quarter of 2023 and $84.2 million, or 0.6%, lower than one year prior.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending borrowings of $765.2 million at December 31, 2023,
which included $407.6 million of fixed rate Federal Home Loan Bank of New York term borrowings, $304.6 million of customer repurchase
agreements and $53.0 million of overnight borrowings, increased $118.1 million, or 18.3%, from September 30, 2023 and decreased $372.6
million, or 32.7%, from the year prior.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s average cost of funds increased 75 basis
points, from 0.33% in the fourth quarter of 2022 to 1.08% in the fourth quarter of 2023, while the average cost of total deposits remained
comparatively low relative to the industry at 0.98% for the quarter.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Through the end of the fourth quarter of 2023, the Company&rsquo;s
cycle-to-date deposit beta was 17% and the cycle-to-date total funding beta was 19%. The target Federal Funds rate has increased 525 basis
points since December 31, 2021, while the Company&rsquo;s total deposit costs and total funding costs increased 90 basis points and 99
basis points, respectively, over the same period.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s deposit base is well diversified across
customer segments, comprised of approximately 62% consumer, 26% business and 12% municipal at the end of the current quarter, and broadly
dispersed illustrated by an average deposit account balance of under $20,000.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">68% of the Company&rsquo;s total deposits were in checking
and savings accounts at the end of the fourth quarter and the Company does not currently utilize brokered or wholesale deposits. Time
deposit accounts represented 13% of the Company&rsquo;s total deposits at the end of 2023, up six percentage points from the end of 2022
and up two percentage points from the end of the third quarter of 2023 primarily due to the movement of customers&rsquo; deposits from
non-time to time accounts.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Loans and Credit Quality</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s predominantly footprint-based loan portfolio is
growing and diversified with a core focus on credit quality.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Ending loans at December 31, 2023 of $9.70 billion were $254.5
million, or 2.7%, higher than September 30, 2023 and $895.2 million, or 10.2%, higher than one year prior with the year-over-year growth
driven by increases in all loan categories due to net organic growth.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At December 31, 2023, the Company&rsquo;s allowance for credit
losses totaled $66.7 million, or 0.69% of total loans outstanding, compared to $64.9 million, or 0.69% of total loans outstanding, at
the end of the third quarter of 2023 and $61.1 million, or 0.69% of total loans outstanding, at December 31, 2022.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Reflective of an increase in loans outstanding and a stable
economic forecast, the Company recorded a $4.1 million provision for credit losses during the fourth quarter of 2023. While certain macroeconomic
concerns are emerging related to non-owner occupied commercial real estate (&ldquo;CRE&rdquo;), the Company&rsquo;s exposure to this portfolio
remains diverse and relatively low at 15% of total assets, 25% of total loans and 197% of total bank-level regulatory capital. Additionally,
the current levels of delinquencies and charge-offs within this portfolio remain below long-term historical averages and credit risk ratings
remain strong which supports the solid asset quality of this portfolio.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company recorded net charge-offs of $2.3 million, or an
annualized 0.10% of average loans, in the fourth quarter of 2023 compared to net charge-offs of $2.1 million, or an annualized 0.09% of
average loans, in the fourth quarter of 2022 and net charge-offs of $1.2 million, or an annualized 0.05% of average loans, in the third
quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Total delinquent loans, which includes loans 30 or more days
past due and nonaccrual loans, as a percentage of total loans outstanding was 1.06% at the end of 2023. This compares to 0.89% at the
end of 2022 and 0.90% at the end of the third quarter of 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">At December 31, 2023, nonperforming (90 or more days delinquent
and non-accruing) loans increased to $54.6 million, or 0.56% of total loans outstanding compared to $36.9 million, or 0.39% of total loans
outstanding at the end of the third quarter of 2023 and $33.4 million, or 0.38% of total loans outstanding one year earlier primarily
attributable to an increase in nonaccrual business lending loan balances driven largely by the performance of three customers.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loans 30 to 89 days delinquent (categorized by the Company
as delinquent but performing), which tend to exhibit seasonal characteristics, were 0.50% of total loans outstanding at December 31, 2023,
down from 0.51% at the end of the third quarter of 2023 and one year earlier.</FONT></TD></TR></TABLE>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Shareholders&rsquo; Equity and Regulatory Capital</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The Company&rsquo;s capital planning and management activities, coupled
with its diversified streams of revenue and prudent dividend practices, have allowed it to build and maintain a strong capital position.
At December 31, 2023, all of the Company&rsquo;s and the Bank&rsquo;s regulatory capital ratios significantly exceeded well-capitalized
standards.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo; equity of $1.70 billion at December 31,
2023 was $150.8 million, or 9.7%, higher than one year ago, primarily due to a $125.4 million decrease in accumulated other comprehensive
loss related to the Company&rsquo;s investment securities portfolio. Shareholders&rsquo; equity increased $147.6 million, or 9.5%, from
September 30, 2023, primarily driven by a $129.8 million decrease in accumulated other comprehensive loss related to the Company&rsquo;s
investment securities portfolio.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s shareholders&rsquo; equity to assets ratio
(GAAP) was 10.95% at December 31, 2023, up from 9.80% at December 31, 2022 and 10.11% at September 30, 2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s tier 1 leverage ratio was 9.37% at December
31, 2023, which substantially exceeds the regulatory well-capitalized standard of 5.0%.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">The Company&rsquo;s net tangible equity to net tangible assets
ratio (non-GAAP) was 5.78% at December 31, 2023, up from 4.64% a year earlier and 4.81% at the end of the third quarter of 2023. The increase
in the net tangible equity to net tangible assets ratio (non-GAAP) from one year prior was primarily driven by a $154.7 million, or 22.2%,
increase in tangible equity due to the aforementioned decrease in accumulated other comprehensive loss related to the Company&rsquo;s
investment securities portfolio and a $277.2 million, or 1.9%, decrease in tangible assets due primarily to the sales and maturities of
certain available-for-sale investment securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Dividend Increase and Stock Repurchase Program</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>The payment of a meaningful and growing dividend is an important component
of the Company&rsquo;s commitment to provide consistent and favorable long term returns to its shareholders, and it reflects the continued
strength of the Company&rsquo;s long-term operating results and capital position, and management&rsquo;s confidence in the future performance
of the Company. The $0.01 increase in the quarterly dividend declared in the third quarter of 2023 marked the 31<SUP>st</SUP> consecutive
year of dividend increases for the Company.</I></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">During the fourth quarter of 2023, the Company declared a
quarterly cash dividend of $0.45 per share on its common stock, up 2.3% from the $0.44 dividend declared in the fourth quarter of 2022,
representing an annualized yield of 3.6% based upon the $50.63 closing price of the Company&rsquo;s stock on January 22, 2024.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-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: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">In December 2023 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 1, 2024. Such repurchases may be made at the discretion of the Company&rsquo;s
senior management based on market conditions and other relevant factors and will be acquired through open market or privately negotiated
transactions as permitted under Rule 10b-18 of the Securities Exchange Act of 1934 and other applicable regulatory and legal requirements.
As previously announced, in December 2022 the Board 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 1, 2023. There were 607,161 shares repurchased
pursuant to the 2023 stock repurchase program in 2023, including 107,161 shares in the fourth quarter of 2023. The 2023 stock repurchase
authorization expired on December 31, 2023.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Non-GAAP Measures</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-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, restructuring
expenses, gain on debt extinguishment, loss on sales of investment securities and unrealized 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, restructuring expenses, gain on debt
extinguishment, loss on sales of investment securities and unrealized loss on equity securities from income before income taxes. Although
these items are non-GAAP measures, the Company&rsquo;s management believes this information helps investors and analysts measure underlying
core performance and provides better comparability to other organizations that have not engaged in acquisitions or restructuring activities.
The Company also provides supplemental reporting of its net interest margin on a &ldquo;fully tax-equivalent&rdquo; basis, which includes
an adjustment to net interest income that represents taxes that would have been paid had nontaxable investment securities and loans been
taxable. Although fully tax-equivalent net interest margin is a non-GAAP measure, the Company&rsquo;s management believes this information
helps enhance comparability of the performance of assets that have different tax liabilities. The amounts for such items are presented
in the tables that accompany this release. Diluted adjusted net earnings per share, a non-GAAP measure, were $0.80 in the fourth quarter
of 2023, down from $1.00 in the fourth quarter of 2022 and $0.86 in the third quarter of 2023. Adjusted pre-tax, pre-provision net revenue
per share, a non-GAAP measure, was $1.06 in the fourth quarter of 2023, down from $1.29 in the fourth quarter of 2022 and $1.10 in the
third quarter of 2023.</P>




<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Conference Call Scheduled</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Company management will conduct an investor call at 11:00 a.m. (ET)
today, January 23, 2024, to discuss the fourth quarter and full year 2023 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 STYLE="color: Blue"><U>https://app.webinar.net/Rm4ONkYgL8b</U></FONT>.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This earnings release, including supporting financial tables, is also
available within the press releases section of the Company's investor relations website at: <FONT STYLE="color: Blue"><U>https://ir.communitybanksystem.com/news-presentations/press-releases/</U></FONT>.
An archived webcast of the earnings call will be available on this site for one full year.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>About Community Bank System, Inc.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Community Bank System, Inc. is a diversified financial services company
with total assets of $15.5 billion focused on four main business lines &ndash; banking, benefits administration, insurance services and
wealth management. Its banking subsidiary, Community Bank, N.A., is among the country&rsquo;s 100 largest banking institutions and operates
more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. In addition
to a full range of retail, business, and municipal banking services, the Company offers comprehensive financial planning, trust administration
and wealth management services through its Community Bank Wealth Management operating unit. The Company&rsquo;s Benefit Plans Administrative
Services, Inc. subsidiary is a leading provider of employee benefits administration, trust services, collective investment fund administration,
and actuarial consulting services to customers on a national scale. The Company&rsquo;s OneGroup NY, Inc. subsidiary is a top 100 U.S.
insurance agency. Community Bank System, 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 STYLE="color: Blue"><U>www.cbna.com</U></FONT> or <FONT STYLE="color: Blue"><U>https://ir.communitybanksystem.com</U></FONT>.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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 or resulting from recent bank failures; current and
future economic and market conditions, including the effects on commercial real estate and residential housing or vehicle 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 potential adverse effects of unusual and infrequently occurring events; litigation and actions
of regulatory authorities; management&rsquo;s estimates and projections of interest rates and interest rate policies; the effect of changes
in the level of checking, savings, or money market account deposit balances and other factors that affect net interest margin; future
provisions for credit losses on loans and debt securities; changes in nonperforming assets; ability to contain costs in inflationary
conditions; the effect on financial market valuations 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, including capital requirements; and the timing for receiving regulatory approvals and completing pending
merger and acquisition transactions. For more information about factors that could cause actual results to differ materially from CBU&rsquo;s
expectations, refer to its annual, periodic and other reports filed with the Securities and Exchange Commission (&ldquo;SEC&rdquo;),
including the discussion under the &ldquo;Risk Factors&rdquo; section of such reports filed with the SEC and available on CBU&rsquo;s
website at <FONT STYLE="color: Blue"><U>https://ir.communitybanksystem.com</U></FONT> and on the SEC&rsquo;s website at <FONT STYLE="color: Blue"><U>www.sec.gov</U></FONT>.
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.</P>




<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Summary of Financial Data
    (unaudited)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(Dollars
    in thousands, except per share data)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Quarter
    Ended</FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Year-to-Date</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">December
    31,<BR>
 2023</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">December
    31,<BR>
 2022</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">December
    31,<BR>
 2023</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">December
    31,<BR>
 2022</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Earnings</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-right: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; width: 52%; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Loan
    income</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; width: 12%; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$122,392</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; width: 12%; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$96,168</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; width: 12%; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$445,167</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; width: 12%; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$335,075</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Investment
    income</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">23,934</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">27,815</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">96,221</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">108,654</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.125in"><FONT STYLE="font-size: 9pt; text-transform: none">Total interest
    income</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">146,326</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">123,983</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">541,388</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">443,729</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Interest
    expense</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">37,136</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">11,760</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">104,103</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">23,099</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.125in"><FONT STYLE="font-size: 9pt; text-transform: none">Net interest
    income</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">109,190</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">112,223</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">437,285</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">420,630</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Acquisition-related
    provision for credit losses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,927</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Provision
    for credit losses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">4,073</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">2,768</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">11,203</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">10,846</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.125in"><FONT STYLE="font-size: 9pt; text-transform: none">Net interest
    income after provision for credit losses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">105,117</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">109,455</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">426,082</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">405,857</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Deposit service
    and other banking fees</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">18,003</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">19,228</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">69,377</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">71,494</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Mortgage
    banking</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">196</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(205)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">595</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">390</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Employee
    benefit services</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">30,015</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">29,023</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">117,961</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">115,408</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Insurance
    services</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">11,599</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">8,290</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">47,094</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">39,810</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Wealth management
    services</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">7,904</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">7,390</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">31,941</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">31,667</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Loss on sales
    of investment securities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(52,329)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Gain on debt
    extinguishment</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">242</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Unrealized
    gain (loss) on equity securities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">52</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(20)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(47)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(44)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.125in"><FONT STYLE="font-size: 9pt; text-transform: none">Total noninterest
    revenues</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">67,769</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">63,706</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">214,834</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">258,725</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Salaries
    and employee benefits</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">71,595</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">64,103</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">281,803</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">257,339</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Data processing
    and communications</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">14,685</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">13,645</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">57,585</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">54,099</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">10,715</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">10,673</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">42,550</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">42,413</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,563</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,794</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">14,511</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">15,214</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Legal and
    professional fees</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,792</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,822</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">15,921</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">14,018</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Business
    development and marketing</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,635</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,120</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">15,731</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">13,095</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">2,200</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(700)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">3,280</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">(300)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Acquisition
    expenses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">7</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">353</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">63</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">5,021</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Restructuring
    expenses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">1,163</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">1,163</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Other</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">11,936</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">7,042</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">34,278</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">23,369</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.125in"><FONT STYLE="font-size: 9pt; text-transform: none">Total operating
    expenses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">123,291</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">105,852</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">466,885</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">424,268</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Income before
    income taxes</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">49,595</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">67,309</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">174,031</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">240,314</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: left; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Income taxes</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">11,307</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">14,779</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">37,525</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">52,233</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-right: 0.75pt; padding-left: 0.25in"><FONT STYLE="font-size: 9pt; text-transform: none">Net income</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$38,288</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$52,530</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$136,506</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$188,081</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Basic earnings per share</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$0.71</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$0.97</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$2.54</FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$3.48</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$0.71</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$0.97</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$2.53</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt; text-transform: none">$3.46</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Summary of Financial Data (unaudited)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">(Dollars in thousands, except per share data)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2023</FONT></TD>
    <TD STYLE="border: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2022</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">4th
    Qtr</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">3rd
    Qtr</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2nd
    Qtr</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">1st
    Qtr</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">4th
    Qtr</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Earnings</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 55%; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Loan
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$122,392</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$115,138</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$107,275</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$100,362</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$96,168</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Investment
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">23,934</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">22,418</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">24,349</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">25,520</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">27,815</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">146,326</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">137,556</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">131,624</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">125,882</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">123,983</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Interest
    expense</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">37,136</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">29,770</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">22,345</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,852</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,760</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">109,190</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">107,786</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">109,279</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">111,030</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">112,223</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,073</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2,878</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">752</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2,768</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest income after provision for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">105,117</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">104,908</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">108,527</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">107,530</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">109,455</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Deposit service
    and other banking fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">18,003</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">17,478</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">17,740</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">16,156</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">19,228</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Mortgage
    banking</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">196</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">113</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">275</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(205)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Employee
    benefit services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">30,015</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">29,997</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">28,565</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">29,384</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">29,023</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Insurance
    services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,599</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">12,113</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,860</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,522</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,290</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Wealth management
    services</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,904</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,934</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,858</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,245</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,390</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Loss on sales
    of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(52,329)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Gain on debt
    extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">242</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Unrealized
    gain (loss) on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">52</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(49)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(50)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(20)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    noninterest revenues</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">67,586</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">65,984</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,495</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">63,706</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Salaries
    and employee benefits</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">71,595</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">70,687</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">68,034</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">71,487</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">64,103</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Data processing
    and communications</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,685</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,480</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,291</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,129</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,645</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Occupancy
    and equipment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10,715</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10,358</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10,453</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,024</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10,673</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,705</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,667</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,794</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Legal and
    professional fees</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,792</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,826</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,102</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">5,201</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,822</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Business
    development and marketing</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,635</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,628</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,567</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2,901</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,120</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">80</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,000</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(700)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">57</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">353</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Other</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,936</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,869</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,887</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">6,586</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,042</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 12.75pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    operating expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">123,291</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">116,504</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">113,038</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">114,052</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">105,852</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Income before
    income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">49,595</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">55,990</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">61,473</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">6,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">67,309</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,307</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11,861</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,182</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,175</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,779</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; text-indent: 21.75pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$38,288</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$44,129</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$48,291</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$5,798</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$52,530</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Basic earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.71</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.82</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.90</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.97</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Diluted
    earnings per share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.71</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.82</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.89</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$0.97</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; white-space: nowrap; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Profitability</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border: Black 1pt solid; background-color: Silver; white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Return on
    assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.99%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.16%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.28%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.15%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.33%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Return on
    equity</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9.69%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10.90%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">11.86%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.49%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14.12%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Return
    on tangible equity<SUP>(1) </SUP>(non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">21.30%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">23.34%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">24.89%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.26%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">33.73%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest
    revenues/total revenues (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">38.3%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">38.5%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">37.6%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">10.8%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">36.2%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Noninterest
    revenues/operating revenues (FTE)<SUP>(2) </SUP>(non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">38.2%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">38.5%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">37.6%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">37.1%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">36.2%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">69.7%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">66.4%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">64.5%</FONT></TD>
    <TD STYLE="font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">91.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">60.2%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Operating
    efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">65.7%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">64.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">61.7%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">62.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; white-space: nowrap; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">58.2%</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Summary
    of Financial Data (unaudited)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">(Dollars
    in thousands, except per share data)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="white-space: nowrap; padding-top: 2pt; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2023</FONT></TD>
    <TD STYLE="white-space: nowrap; border: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2022</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-top: 2pt; font-size: 9pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; border-bottom: Black 1pt solid; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">4th
    Qtr</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">3rd
    Qtr</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">2nd
    Qtr</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; border-bottom: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">1st
    Qtr</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 2pt; text-align: center; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">4th
    Qtr</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; padding-top: 2pt; border-bottom: Black 1pt solid; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Components
    of Net Interest Margin (FTE)</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: Silver; border-left: Black 1pt solid; padding-top: 2pt; border-bottom: Black 1pt solid; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: Silver; padding-top: 2pt; border-bottom: Black 1pt solid; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: Silver; padding-top: 2pt; border-bottom: Black 1pt solid; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; background-color: Silver; padding-top: 2pt; border-bottom: Black 1pt solid; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; width: 55%; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Loan
    yield</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">5.08%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.92%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.75%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.59%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; width: 9%; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.39%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cash
    equivalents yield</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">5.49%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.97%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.27%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.49%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.83%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Investment
    yield</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.03%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.96%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.07%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.01%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.85%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Earning
    asset yield</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4.11%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.94%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.82%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.63%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.34%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Interest-bearing
    deposit rate</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.37%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.09%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.84%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.45%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.26%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Borrowing
    rate</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.12%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.34%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.60%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.78%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.63%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cost
    of all interest-bearing funds</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.48%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.23%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.94%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.62%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.47%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cost
    of total deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.98%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.76%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.59%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.31%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.18%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cost
    of funds (includes DDA)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1.08%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.88%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.67%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.44%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">0.33%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest margin</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.14%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.17%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">2.99%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.10%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.18%</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.20%</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3.02%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Fully
    tax-equivalent adjustment</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$1,037</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$1,034</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$1,080</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$1,091</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$1,118</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Average
    Balances</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$9,583,396</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$9,303,479</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$9,072,956</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$8,884,164</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$8,704,051</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cash
    equivalents</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">113,071</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">53,279</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">28,491</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">27,775</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">26,501</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Taxable
    investment securities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,032,386</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,080,835</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,313,875</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,760,089</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">5,590,538</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Nontaxable
    investment securities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">493,434</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">508,356</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">525,314</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">532,604</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">545,679</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    interest-earning assets</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,222,287</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,945,949</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,940,636</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,204,632</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,866,769</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,333,118</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,123,226</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,150,001</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,366,863</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,665,726</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Interest-bearing
    deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,266,908</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,961,895</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,053,199</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,925,555</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,982,442</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Borrowings</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">665,322</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">619,510</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">523,585</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">717,788</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">879,194</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    interest-bearing liabilities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,932,230</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,581,405</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,576,784</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,643,343</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,861,636</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest-bearing
    deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,706,781</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,810,542</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,836,341</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,043,494</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,198,086</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,567,430</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,605,798</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,632,992</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,576,717</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,476,093</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: bold 9pt Arial, Helvetica, Sans-Serif; background-color: Silver; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Balance
    Sheet Data</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-top: Black 1pt solid; border-bottom: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border: Black 1pt solid; background-color: Silver; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Cash
    and cash equivalents</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$190,962</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$455,807</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$222,779</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$189,298</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">$209,896</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Investment
    securities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,165,312</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,960,001</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,231,899</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,630,741</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">5,314,888</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Loans:</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; border-right: Black 1pt solid; padding-top: 2pt; font-size: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Business
    lending</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,084,396</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,914,935</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,833,697</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,747,942</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,645,665</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Consumer
    mortgage</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,285,018</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,196,764</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,072,090</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,019,718</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,012,475</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Consumer
    indirect</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,703,440</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,708,302</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,644,811</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,605,659</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,539,653</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Home
    equity</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">446,515</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">444,764</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">439,186</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">432,027</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">433,996</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Consumer
    direct</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">185,229</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">185,301</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">180,985</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">176,989</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">177,605</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 0.25in; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    loans</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,704,598</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,450,066</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">9,170,769</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,982,335</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,809,394</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Allowance
    for credit losses</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">66,669</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">64,945</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">63,284</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">63,170</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">61,059</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">897,987</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">901,334</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">901,709</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">900,914</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">902,837</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Other
    assets</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">662,345</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">684,059</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">644,178</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">615,835</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">659,695</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    assets</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,554,535</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,386,322</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,108,050</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,255,953</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,835,651</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Deposits:</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; border-right: Black 1pt solid; padding-top: 2pt; font-size: 9pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-indent: 9pt; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest-bearing</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,638,527</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,780,519</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,855,085</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">3,949,801</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">4,140,617</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-indent: 9pt; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Non-maturity
    interest-bearing</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,569,131</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,755,916</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,740,818</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">8,106,734</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">7,964,983</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-indent: 9pt; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Time</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,720,463</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,494,353</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,275,883</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,054,137</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">906,708</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 0.25in; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    deposits</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">12,928,121</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,030,788</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">12,871,786</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,110,672</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,012,308</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Customer
    repurchase agreements</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">304,595</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">330,252</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">233,469</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">304,607</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">346,652</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Other
    borrowings</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">460,603</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">316,837</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">251,284</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">75,684</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">791,123</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Accrued
    interest and other liabilities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">158,697</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">153,506</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">134,105</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">130,977</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">133,863</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    liabilities</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,852,016</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,831,383</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,490,644</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">13,621,940</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">14,283,946</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Shareholders'
    equity</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,702,519</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,554,939</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,617,406</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-top: 2pt; font: 9pt Arial, Helvetica, Sans-Serif; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,634,013</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">1,551,705</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: left; text-indent: 9pt; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    liabilities and shareholders' equity</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,554,535</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,386,322</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,108,050</FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,255,953</FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: Black 1pt solid; font: 9pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; border-right: Black 1pt solid; padding-top: 2pt; text-align: right; padding-left: 0.75pt; padding-right: 0.75pt"><FONT STYLE="font-size: 9pt">15,835,651</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="white-space: nowrap; font-size: 9pt; padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2022</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Capital
    and Other</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Shareholders&rsquo;
    equity/total assets (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.95%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.11%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.80%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    equity/net tangible assets<SUP>(1) </SUP>(non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.78%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.81%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.34%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.41%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.64%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tier
    1 leverage ratio</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.37%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.44%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.35%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.06%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">8.79%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Loan-to-deposit
    ratio</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">75.1%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">72.5%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">71.2%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">68.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67.7%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Diluted
    weighted average common shares O/S</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,665</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,798</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,008</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,207</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,253</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Period
    end common shares outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,327</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,427</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,528</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,725</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,737</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Cash
    dividends declared per common share</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.45
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.44
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.44
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.44
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Book
    value (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$31.93
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29.10
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$30.22
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$30.41
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$28.88
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Tangible
    book value<SUP>(1) </SUP>(non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15.93
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$13.07
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14.21
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14.49
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$12.93
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Common
    stock price (end of period)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52.11
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$42.21
    </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46.88
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52.49
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$62.95
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Asset
    Quality</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonaccrual
    loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,687</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$33,122</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29,923</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29,745</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$29,245</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Accruing
    loans 90+ days delinquent</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,886</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,731</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,395</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,027</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4,119</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Total
nonperforming loans</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">54,573</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">36,853</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,318</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,772</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,364</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Other
    real estate owned (OREO)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,159</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">578</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">623</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">508</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">503</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.25in">Total nonperforming assets</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,732</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">37,431</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,941</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">34,280</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">33,867</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,337</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,249</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">706</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,511</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,054</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/loans outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.70%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.69%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    loans/loans outstanding</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.56%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.39%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.36%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.38%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.38%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Allowance
    for credit losses/nonperforming loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">122%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">190%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">187%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">183%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Net
    charge-offs/average loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.10%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.05%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.03%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.09%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Delinquent
    loans/ending loans</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.06%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.90%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.83%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.73%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.89%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Provision
    for credit losses/net charge-offs</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">174%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">106%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">232%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">135%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Nonperforming
    assets/total assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.36%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.24%</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.21%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">Non-owner
    occupied CRE / total bank-level regulatory capital</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">197%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">186%</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">180%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">174%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">165%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Income
    statement data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Pre-tax,
    pre-provision net revenue</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Net income (GAAP)</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38,288</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,291</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,530</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Income taxes</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,307</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11,861</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,182</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,175</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,779</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Income before income taxes</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,595</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,990</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61,473</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">6,973</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,309</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Provision for credit losses</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;4,073</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;2,878</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;752</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;3,500</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;2,768</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.25in">Pre-tax, pre-provision net revenue (non-GAAP)</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">53,668</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">58,868</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62,225</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10,473</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">70,077</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Acquisition expenses</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">353</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Acquisition-related contingent consideration adjustment</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,000</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(700)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Restructuring expenses</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Loss on sales of investment securities</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Gain on debt extinguishment</TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Unrealized (gain) loss on equity securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;49</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;20</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.125in">Adjusted pre-tax, pre-provision net revenue (non-GAAP)</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$56,986</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$58,997</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$63,274</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$62,617</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$69,750</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; border-bottom: Black 1pt solid; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; width: 9%; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2022</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Income
    statement data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Pre-tax,
    pre-provision net revenue per share</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.71</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.89</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Income
    taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.21</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.22</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.25</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.27</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Income
    before income taxes</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.92</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.04</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.14</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.13</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.24</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Provision
    for credit losses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.08</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.06</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Pre-tax,
    pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.10</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.15</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.20</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.30</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    pre-tax, pre-provision net revenue per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.06</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.10</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.17</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.16</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.29</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    income</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    income (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$38,288
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$44,129
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,291
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$5,798
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$52,530
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">7</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">57</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">353</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(1)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(12)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(78)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">38,294</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,129</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">48,290</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,805</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2,200</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">80</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,000</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(700)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(445)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(17)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(214)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">154</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,049</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,259</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,163</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of restructuring expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(235)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,977</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5,843</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,259</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of loss on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(11,171)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,977</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,001</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,259</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,977</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,192</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,076</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,811</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,259</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(10)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(11)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(4)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Operating
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">40,936</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,231</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,115</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,811</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,275</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,563</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,576</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,705</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,667</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3,794</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(721)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(757)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(793)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(783)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(833)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">43,778</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">47,050</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,027</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49,695</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">55,236</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquired
    non-PCD loan accretion</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(828)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(948)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(886)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(1,079)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">&nbsp;(1,138)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquired non-PCD loan accretion</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">168</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">201</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">190</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">230</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">250</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,118
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,303
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,846
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,348
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on average assets</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,118</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,303</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,846
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,348
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Average
    total assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,333,118</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,123,226</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,150,001</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,366,863</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,665,726</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    return on average assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.12%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.21%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.36%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.29%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.38%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; white-space: nowrap; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2022</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Income
    statement data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Return
    on average equity</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    net income (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$43,118</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$46,303</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$51,331
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$48,846
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$54,348
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Average
    total equity</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,567,430</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,605,798</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,632,992</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,576,717</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,476,093</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    return on average equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.91%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">11.44%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.61%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">12.56%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14.61%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,786</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,279</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,030</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,223</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,945,949</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,940,636</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,204,632</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,866,769</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest margin</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.05%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.14%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.17%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">2.99%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    interest margin (FTE) (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,190</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$107,786</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$109,279</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$111,030</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,223</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Fully
    tax-equivalent adjustment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,037</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,034</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,080</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,091</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1,118</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Fully
    tax-equivalent net interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,227</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,820</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,359</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">112,121</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,341</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    average interest-earning assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,222,287</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,945,949</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,940,636</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,204,632</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,866,769</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest margin (FTE) (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.07%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.10%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.18%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.20%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">3.02%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt"><B>Earnings
    per common share</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Diluted
    earnings per share (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.71
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.82
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.89
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.11
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.97
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquisition expenses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.71</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.89</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.97</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.04</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquisition-related contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.74</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.02</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of restructuring expenses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of loss on sales of investment securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.21)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of gain on debt extinguishment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of unrealized (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Operating
    diluted earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.76</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.91</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.86</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.96</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.07</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of amortization of intangible assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.01)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Subtotal
    (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.82</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.88</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.97</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.92</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1.01</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquired
    non-PCD loan accretion</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: top; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(0.02)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Tax
    effect of acquired non-PCD loan accretion</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0.01</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Diluted
    adjusted net earnings per share (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.80
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.86
    </FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.95
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$0.90
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1.00
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2022</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Income
    statement data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Efficiency
    ratio (GAAP)</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest
    expenses (GAAP) &ndash; numerator</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$123,291</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,504</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$113,038</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,052</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$105,852</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    interest income (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,190</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">107,786</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">109,279</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">111,030</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">112,223</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest
    revenues (GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,586</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,495</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63,706</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    revenues (GAAP) &ndash; denominator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,959</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,372</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,263</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">124,525</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,929</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Efficiency
    ratio (GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">69.7%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">66.4%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">91.6%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">60.2%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt"><B>Noninterest
    operating expenses</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest
    expenses (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$123,291</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,504</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$113,038</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$114,052</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$105,852</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Amortization
    of intangible assets</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,563)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,576)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,705)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,667)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(3,794)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition
    expenses</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(7)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">1</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(57)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(353)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquisition-related
    contingent consideration adjustment</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(2,200)
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(80)
    </FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,000)
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0
    </FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">700
    </FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Restructuring
    expenses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,163)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    adjusted noninterest expenses (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,358</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,848</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$108,334</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$110,328</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$102,405</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Operating
    efficiency ratio (non-GAAP)</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Adjusted
    noninterest expenses (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$116,358</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$112,848</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$108,334</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$110,328</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$102,405</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Fully
    tax-equivalent net interest income</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,227</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">108,820</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">110,359</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">112,121</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">113,341</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Noninterest
    revenues</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,769</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">67,586</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65,984</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">13,495</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">63,706</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Acquired
    non-PCD loan accretion</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(828)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(948)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(886)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,079)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(1,138)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Unrealized
    (gain) loss on equity securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(52)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">49</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">50</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">20</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Loss
    on sales of investment securities</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">52,329</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Gain
    on debt extinguishment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(242)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">0</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 6pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Operating
    revenues (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">177,116</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,507</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,507</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">176,624</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">175,929</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; text-indent: 12pt; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Operating
    efficiency ratio (non-GAAP)</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">65.7%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">64.3%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">61.7%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">62.5%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">58.2%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</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: 9pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; width: 55%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Summary
    of Financial Data (unaudited)</B></FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt; width: 9%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>(Dollars
    in thousands, except per share data)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; text-align: right; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-left: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2023</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2022</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>3rd
    Qtr</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>2nd
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>1st
    Qtr</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>4th
    Qtr</B></FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom; background-color: silver">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Quarterly
    GAAP to Non-GAAP Reconciliations</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; padding-top: 2pt; white-space: nowrap; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Balance
    sheet data</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    assets</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; vertical-align: bottom; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    assets (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,554,535</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,386,322</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,108,050</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,255,953</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$15,835,651</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,334)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,709)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,914)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(902,837)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,593</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,003</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,369</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,130</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    tangible assets (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,701,746</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,529,581</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,251,344</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,400,408</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$14,978,944</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Total
    common equity</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Shareholders'
    equity (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,702,519</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,554,939</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,617,406</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,634,013</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,551,705</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Goodwill
    and intangible assets, net</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(897,987)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,334)</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(901,709)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(900,914)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">(902,837)</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Deferred
    taxes on goodwill and intangible assets, net</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,198</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">44,593</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,003</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">45,369</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">46,130</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    tangible common equity (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$849,730</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$698,198</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$760,700</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$778,468</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$694,998</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Shareholders&rsquo;
    equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    shareholders&rsquo; equity (GAAP) - numerator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,702,519</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,554,939</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,617,406</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,634,013</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$1,551,705</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    assets (GAAP) - denominator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,554,535</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,386,322</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,108,050</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,255,953</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">15,835,651</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    shareholders&rsquo; equity-to-assets ratio at quarter end (GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.95%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.11%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">10.71%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">9.80%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><B>Net
    tangible equity-to-assets ratio at quarter end</B></FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    tangible common equity (non-GAAP) - numerator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$849,730</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$698,198</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$760,700</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$778,468</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">$694,998</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 6pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Total
    tangible assets (non-GAAP) - denominator</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,701,746</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,529,581</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,251,344</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,400,408</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">14,978,944</FONT></TD></TR>
  <TR STYLE="font-size: 9pt">
    <TD STYLE="text-indent: 12pt; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">Net
    tangible equity-to-assets ratio at quarter end (non-GAAP)</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.78%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.81%</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.34%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">5.41%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 2.5pt double; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt">4.64%</FONT></TD></TR>
  <TR STYLE="font-size: 9pt; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-left: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 9pt; white-space: nowrap; padding-top: 2pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD></TR>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I><SUP>(1) </SUP>Includes deferred tax liabilities related to certain intangible assets.</I></FONT></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt"><I><SUP>(2) </SUP>Excludes loss on sales of investment securities, gain on debt extinguishment and unrealized gain (loss) on equity securities.</I></FONT></P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><I># # #</I></P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20240123_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
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    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
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<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.23.4</span><table class="report" border="0" cellspacing="2" id="idm140079403966384">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jan. 23, 2024</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. 23,  2024<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>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>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">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>
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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>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">
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<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</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>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">
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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>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>
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<td>duration</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>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>
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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>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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<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>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 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>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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<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">
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<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>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
